I think health savings accounts are only available thru places of employment.
The Pathetic one is at it again.
http://www.abcnews.go.com/Politics/wireStory?id=1932330
No individuals can get them, but you need to get a HSA-qualified health insurance policy first. These are all high-deductible (which also means much lower premiums) plans. I believe the costs are deductible from Adjusted Gross income above-the-line, so you are able to deduct the costs. I am self-employed and have had one for two years not through my company. I think they are great.
Should read "No. Individuals can get HSA's..."