he hello, jack otter. what does that mean? push down health care costs is they would force doctors and hospitals to become much more efficient. high deductible plans mean that everything up to $1,200 for an individual, $2,400 for a family is out of your pocket to help you pay for that you set up what's called a health savings account. pretax money goes straight from your paycheck into this account. companies will often match it. that's a lot of money. but again the the idea is that you'll be more careful with it because you know that that money can stay there and grow over time almost like a roth ira for medical expenses. no taxes going in. no taxes go inging out. for young, healthy people, it's a pretty good idea. you know your medical bills probably won't be very high. if they are, you've got essentially this thing to fall back on. otherwise leave the money in there. my advice would be leave it in there for 30 40 years. when you retire fidelity is now expecting you will have aa quarter million dollars of health care costs ou

moneywatch jack otter looks at all ways you can save during open enrollment.s going on right now. coming up next on cbs "this morning." ♪ [ male announcer ] it's time for medicare open enrollment. are you ready? time to compare plans and see what's new. you don't have to make changes, but it's good to look. maybe you can find better coverage, save money, or both. and check out the preventive benefits you get after the health care law. ♪ medicare open enrollment. now's the time. visit medicare.gov or call 1-800-medicare. ♪ but what about your wrinkles? neutrogena® rapid wrinkle repair visibly reduces fine lines and wrinkles in just one week. why wait if you don't have to. neutrogena®. i need all the help i can get. that's why i like nutella. mom, what's the capital of west virginia? charleston. nutella is a delicious hazelnut spread my whole family loves. mom, have you seen my -- backpack? nutella goes great on whole-wheat toast or whole-grain waffles. and its great taste comes from a unique combination of simple ingredients like hazelnuts, skim milk and a hint