An HSA (Health Savings Account) is a type of savings account designed to be used for qualified medical expenses. You can contribute money pre-tax out of your paycheck and use the money for approved expenses without any tax penalty.
To obtain and HSA you need to have a high-deductible health insurance plan. A deductible is an amount of money you must pay before the insurance plan will assist in payment. You must meet the deductible first and with a high-deductible plan that amount is more than it would be with a traditional health insurance plan.
If you tend to get sick and go to the doctor a lot having an HAS might not be a good idea. If you are in good health and can save the money pre-tax for some time before actually needing to use it, the HSA could be a good solution.