Both plans will likely fail in the Senate later this week.

In about 22 days, a large portion of government health care subsidies expire, affecting the cost and availability of insurance for no less than millions of people. And yet, Congress is set to leave Washington in two weeks.

The Senate will vote on competing health care bills today, and both Democrats and Republicans claim their plans are the more affordable option for tens of millions of enrollees.

Over the next few weeks, millions of Americans will shop for health insurance online. Many will find comprehensive plans through Affordable Care Act marketplaces like HealthCare.gov. Others will be steered elsewhere — toward insurance products that sound great but don’t provide much coverage.

Those of us who get health care insurance from our employers — some 160 million Americans — may be breathing a sigh of relief. But our health care premiums are also staggering ( an average of $27,000 a year for a family of four ), and the fact that our employers pay part of the tab isn’t much of a reprieve.

The IRS sets restrictions on the use of HSAs, which are typically managed by banks or health insurance companies. For starters, on the ACA marketplace, they are available only to those with the highest-deductible health insurance plans — the bronze and catastrophic plans.