Health savings accounts, or HSAs are tax-advantaged accounts which are used to pay for routine, out-of-pocket medical expenses. They are used in conjunction with insurance plans which tend to cover large and/or unexpected health events and allow individuals to make choices that best fit their needs. Expanding and protecting HSAs is one component to ensuring Americans have access to patient centered health care that best fits their needs and keeps costs low. The importance of HSAs is why Congress should pass H.R. 5324 and S.