Last year the focus was on Social Security, this year the highlight of the State of the Union address is expected to be the expansion of Health Savings Accounts.  Unfortunately, there are an estimated 45 million Americans without health-care coverage right now.

Passed into law in 2003, HSAs allow consumers to save pretax dollars for health care expenses as long they are enrolled in a high-deductible plan. This year, people can either deposit up to the amount of their deductible or $2,700 for individuals and $5,450 for families--whichever is lower. Bush wants to lift this limit and let consumers pay their deductibles with tax-free HSA dollars.

Forbes gives us an update.