From my oldest child: "Daddy, can we go to Target?"

From my youngest child: "Daddy, can we play Clue tonight?"

From my wife: "When are you going to get a real job?"

From my mother: "Ya'll doing ok?"

From my friends: "Tell me again, what it is you're doing?"  followed by, "huh?"

Seriously though, the #1 question we get asked is, "If a Democrat is elected as president, will a push toward Universal Health Coverage bring an end to HSAs?"

Great question.  The answer is… nope.

Universal Health Coverage is not free health coverage.  Somebody has still got to pay for it somehow and some way.  So, be you a Republican, Democrat, Libertarian, Independent, and regardless of who your next President is, Health Savings Accounts are going to be here for awhile.

In fact, in a Bearing Point, a leading management and technology consulting firm, in an article published just last month forecast HSA projections could increase beyond 2012 estimates of more than 20,000,000 accounts with the implementation of Universal Health Coverage.

Typically, when Universal type coverage is implemented, employers are