About 10 million Americans now have high-deductible health plans that feature health savings accounts. These arrangements allow people to sock away pre-tax money in the accounts, which can go toward deductibles and co-pays and can be carried over into the following year.  The deductibles can be steep, though, so individuals and families should consider those costs before they commit to these health plans.

Here’s a New York Times article weighing the pros and cons of these policies, along with giving tips for consumers: