Comment Re:I've always really liked that idea (Score 2, Informative) 584
Specifically, note in the Wikipedia article http://en.wikipedia.org/wiki/Health_savings_account that 1.1 Million people have purchased into their own HSA accounts.
HSA (individual owned) and HRA (employer owned) savings accounts allow you to save money up to certain IRS limits per year. In the case of the HSA, this is your money and is not owned by the employer. That means you can take it with you if you go to a new employer, or if you lose your job etc. This is pre-tax money that is yours to use on most IRS 213(d) expenses. This money does not expire at the end of the year (you are thinking Flexible Spending Account, which is different).