I would like to know if MSA's are worth considering. I am self employed with a wife and 2 children living in NYC. Thanks

Medical savings accounts are definitely worth a look but you might benefit more from a HSA or Health Savings Account because the contributions can be carried over from one year to the next.

More info can be found at:

http://www.dermadoctor.com/pages/newsletter79.asp?WID=%7B10BF489B%2D150D%2D4138%2DB 645%2DB2AA83A187DA%7D

Oh, and eat an apple a day.