Health Savings Accounts? A person is allowed to set aside a stated amount of dollars from each paycheck and put in into an account that could then be used to pay for health costs not covered by insurance, such as deductibles, out of pocket charges or expenses not covered by the health carrier. Hand? Maybe, but I'm not sure they solve our insurance woes. How do health savings accounts work for people without any income to set aside or insufficient income? How do health savings accounts work for the 45 million uncovered Americans? How do health savings accounts encourage people to "shop" for cheaper services when they are sick or injured? Why doesn't someone ask Scotty boy about that?