you are on with mary ellen mcintire. go ahead. er: i was wondering with the health savings accounts, why you can't go into a bank and open one up? guest: the individual is in charge of the health savings account. , they areent laws under high deductible plans. if you have a plan that qualifies, you set it up. and you put a certain amount of money each year under a certain limit for that and you can use it for various purchases you make over the year. host: new york is next. sean, good morning. caller: i want to make a quick comment about pharmaceuticals. when as as if pharmaceutical company does advertisements for the drugs they are trying to promote, they get a big deduction on their taxes when they market these drugs to other people. likehe fda has something 4000 drugs ready for approval. but they put them on hold for whatever reason. when president obama was president, right before he left office, he came out with the cures act. could you expound on that a little bit? pharmaceutical companies, and other major health care issue.