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Deep Dive: Here’s one health-insurance choice that can save you money now and make you even more later

Put in some extra time when you next select your health insurance plan, and you may find you can pay much lower premiums while also reducing your health-care costs for the rest of your life.

Whether you have health insurance through your employer or purchase coverage through an exchange set up through the Affordable Care Act (also known as Obamacare), the combination of a lower-cost, high-deductible health insurance and a health savings account may provide great advantages. You save on taxes immediately, the money can be invested for decades, and — unlike with an IRA or 401(k) account — you may never have to pay taxes on any of it.

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