I currently have $21,000 in my Health Savings Account. If I continued to have the policy I had prior to 2014 then I would have an additional $12,000 in my Health Savings Account. Id have almost enough for 7 years worth of deductibles available to me in that account. As it stands right now because I am uninsured. Because I don't have the insurance I cant add to the Health Savings Account. You have to have the high deductible policy to put money into a Health Savings Account.  One health issue would wipe out that account and I would have no insurance to fall back on. I would declare Bankruptcy. I wouldn't have a choice.