As Americans prepare their taxes, we are all taking a closer look at where our money goes, For millions of families, one expense stands out: healthcare. And too often, we have little control over how those dollars are spent.

For decades, a growing share of every paycheck has been routed into a healthcare system built around third parties: insurers, middlemen, and government bureaucracies. In that system, individuals pay more but see little return in savings, transparency, or long-term security. Premiums rise. And families are left with no savings, no equity, and no control over how their healthcare dollars are used.

Health Savings Accounts offer a better model. They put individuals at the center of the system. They do so by applying a principle conservatives understand well: Ownership changes behavior.

IT’S TAX SEASON: HOLD THE IRS ACCOUNTABLE FOR MOVING COMPLIANCE GOALPOSTS

An HSA works like a 401(k) for healthcare in the ways that matter most: ownership, portability, and long-term value. The money belongs to you. It rolls over year to year, grows tax-free, and goes with you when you change jobs. You can use it today for medical expenses or invest it for the future.

Ownership matters. When people control their own dollars, they ask........

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