They are personal savings accounts that are required to be combined with high-deductible health insurance. The account holders typically use their MSA funds to pay small and routine health care bills, and then rely on their health insurance to pay for more costly ones. This paper goes into the history, pros and cons, and status of MSA's. Bibliography lists 5 sources. A 10 page paper outlining Medicare and Medicaid fraud and the steps that are being taken to combat it.
Bibliography lists twelve sources.