This book is about medical savings accounts, but it is also in a larger sense about investing and about the evolution of the health-care system in this country.

Harold Foster is President of Financial Supermarkets, Inc., the "medical savings account specialists" and professional school for pre-licensing and continuing education courses for the insurance community, and a full-service insurance and investment brokerage. His professional certifications now include the Series 7 Securities License, Registered Health Underwriter certification, the Certified Financial Planner certification from Adelphi University and designation as a Fraternal Insurance Counselor from the Fraternal Field Managers Association. Also: Charitable Philanthropic Developer and Registered Employee Benefits Consultant.