The size of the "tax expenditure" is much bigger for middle-income households than for others, according to the Congressional Budget Office.

Fears that such accounts would stop employers from starting retirement plans appear to be overblown, research suggests.

To afford insurance at all, people may opt for a plan with low premium payments but with a high deductible, gambling that they won’t have any medical crises.

To afford insurance at all, people may opt for a plan with low premium payments but with a high deductible, gambling that they won’t have any medical crises.