HSAs catching on in Minnesota

High-deductible health plans now cover more than 1 in 10 insured Minnesotans. The plans require people to pay a larger share of medical costs out of pocket, but let them set aside pretax money in health savings accounts to cover some of the costs. Advocates hope the new plans will help rein in healthcare costs by encouraging consumers to use medical services more prudently. But many experts worry that consumers will scrimp on needed care or valuable preventive services, which save money now but drive up health costs in the long run.