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It’s time the Pentagon and Congress create the option of health savings accounts within Tricare. Thousands of their contractors have done it. Federal workers can choose them, too. Indiana has more than 90 percent of its workers enrolled in savings accounts.

If money is truly as tight as our leaders say, health savings accounts deserve serious consideration.

Roy Ramthun is president of HSA Consulting Services and former senior adviser for health initiatives to the U.S. Treasury secretary.