(MONEY Magazine) – Health savings accounts haven't taken America by storm. Not yet, anyway. The tax-free investment accounts paired with high-deductible health insurance are a big part of President Bush's "ownership society." But a survey by the trade group America's Health Insurance Plans says only half a million workers now have them. (Some 160 million of us are covered under traditional employer-funded insurance.) Another survey, though, by benefits consultants Watson Wyatt and the National Business Group on Health, an employers organization, finds that a quarter of large companies plan to offer HSAs in 2006, and almost half are considering them for the future. If your employer offers a high-deductible (more than $1,000) option but not an HSA,go to hsafinder.com or hsainsider.com for a list of financial institutions that administer the accounts. --CYBELE WEISSER