8 Winter Tips for Healthy Living

8. Invest in Your Health - Literally

If you have a high-deductible insurance plan, you're probably eligible to deposit tax-free cash into a health savings account (HSA).

HSAs help you sock away savings now for medical expenses later. Open an HSA and each year you can stash $3,050 for yourself ($6,150 for a family) -- tax-free. And if you don't use up the balance in your HSA this year, it simply rolls over into the next year, and the next -- and continues to grow tax-deferred. Intrigued? Talk to your human resources department to find out if you're eligible.

Whichever healthy steps you take this year -- eating better, exercising more, saving -- remember they're an investment in you and your future. So follow these steps toward better health -- or take your own. Bank a little more sleep this year. Set aside stressful differences. Stock a healthier pantry. Salt away ... a little less salt. It's your body -- and your future!