Most insured Americans have one of two healthcare plan types: an HMO (heath maintenance organization) or PPO (preferred provider organization). Generally, people aim for a plan that strikes at balance between a low deductible and monthly premiums.

These days, many Americans are considering a third option. This is the HDHP with HSA, or a high-deductible healthcare plan with health savings accounts. An HDHP with HSA can save you thousands of dollars every year. Unfortunately, because there are so many myths and misconceptions, many Americans shy away from the idea. "High deductibles? Are you crazy?" But it's really not as bad as it sounds. Honest!

Take a look at how you can save thousands of dollars every year.