>> guest: what we have enabled the kerala is a requirement that you and i buy an insurance plan at twice the rate of growth of our income and you don't have to be an accountant to know if you're paying for something that's increasing twice the rate of growth they will crowd out everything else you're consuming and eventually have nothing to me, nothing to wear, no place to live, but lots of health care. >> host: your group, the national center is one of the founders of the health savings accounts, correct? what are they? >> guest: health savings account people on a control in less than to manage their health care and most employers find when they go to high deductible plan and put premium savings of the workers that they cut the overall cost of a plane as much as 30% and employees are happier because they spend the money the way they want to. >> guest: hsa is, how many people use them? >> guest: 24 million people are managing their own money and health savings account or something similar. >> host: what does the law say about hsa? >> guest: the laws restricted. you have to have an across