More than 15 million individuals now own health savings accounts. Paired with a high-deductible insurance plan, HSA owners can save money tax-free for medical expenses, but consumers need to be aware of some changes as a result of the Affordable Care Act. Kevin Kuhlman, manager of legislative affairs for NFIB, discusses some of these changes. For example, maximum deductibles will be $2,000 for individuals and $4,000 for families, but if an employer contributes to a plan, deductibles may increase by that amount. "If a business contributes $500 dollars to an employee's HSA, the deductible can increase to $2500," Kuhlman says.