Health Matters

Lately, I've been rather preoccupied with health matters, which ranged from the kids' dental to my spinal health. A few dollars here and there, and the total does add up. Though H's company does provide health insurance coverage, I dread to think of the day where we have to bear all the costs of healthcare ourselves. I am sure will be quite substantial as there are FOUR of us. I wonder if we should start a health savings account now to better prepare us for the future, or just wait? What do you advise?