Here's one health-insurance choice that can save consumers money now and make consumers even more later

Put in some extra time when you next select your health insurance plan, and you may find you can pay much lower premiums while also reducing your health-care costs for the rest of your life. Whether you have health insurance through your employer or purchase coverage through an exchange set up through the Affordable Care Act of 2010, the combination of a lower-cost, high-deductible health insurance and a health savings account may provide great advantages.