by Gail Perry Once the darling of the health insurance options, medical savings accounts were launched in 1997 with much fanfare and an appeal to self-employed workers and small employers who were feeling the crunch of rising health insurance costs.

With significantly less fanfare, the MSA program ended on Dec. 31, 2003. Was it a failed experiment, or a clever way to lay the groundwork for a new program with broader appeal?

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