Should I pick a high-deductible health plan with an HSA when I'm self-employed?

A high-deductible health plan paired with a Health Savings Account can be a strong choice for self-employed people who are relatively healthy, because the premiums are lower and the HSA gives you a triple tax advantage: deductible contributions, tax-free growth, and tax-free withdrawals for medical costs. You can even invest the balance and let it become a stealth retirement account. The downside is exposure to a large deductible if you have a bad health year, so pair it with a solid emergency fund. Contribution limits are set annually by the IRS. If you expect heavy medical use or want predictable costs, a lower-deductible plan may serve you better. Compare total expected cost, not just premiums.