HC Reform Update from Mark Sanna: More than 10 million people are enrolled in high-deductible health plans linked to health savings accounts, up from 6.1 million in 2008, according to a recent survey by America’s Health Insurance Plans, an industry trade group. To open a health savings account, you must be enrolled in a qualified health insurance plan with a deductible of at least $1,200 for an individual or $2,400 for a family. In return for accepting the higher deductible, you are allowed to deposit pretax dollars in the H.S.A., which are used to pay your out-of-pocket medical costs. This year, singles may contribute a maximum of $3,050 to an H.S.A. and families can deposit up to $6,150. Earnings on the account are also tax-free, and no taxes are paid on withdrawals used for qualified medical expenses.