Here at Cochrane Insurance & Annuity Services we want to at all times provide our clients with the best information available to ensure that the best decisions possible will be made prior to the investing in an insurance policy of any type. At Cochrane Insurance & Annuity Services we tend to favor the use of High Deductible Medical Plans that are Health Savings Account compatible. We believe that overall these plans provide the best overall coverage with the least amount of out of pocket expenses. The new limits for HSA contributions in 2008 are $2900 for individual plans and $5800 for family plans. There is also a catch up provision for the more experienced plan holders who are 55yrs young or greater. Here at this link you can find a deductible expenses allowable by the IRS at www.irs.gov/pub/irs-pdf/p502.pdf. Or for any further clarification please call use at 877-670-7526.