If you’re a 1099 worker, you already know the deal: you’re the boss… and you’re also the HR department.  No employer benefits package, no company paying part of your premium, and nobody handing you a “here’s what to do” booklet. The upside? You get to choose what fits you best. One of the smartest options for many independent contractors is pairing the right health plan with an HSA (Health Savings Account) . Done right, it can help you save money, reduce taxes, and build long