A common question we hear in our Customer Care Center is: "How does Obamacare, or the Affordable Care Act, impact the Health Savings Account connected to my high-deductible health insurance plan?" The Affordable Care Act did make some changes to Health Savings Accounts, also called HSAs, and how they will work. First, the law eliminated one's ability to use money in their HSA account to buy over-the-counter drugs. The second big change is that the law increased the penalty for withdrawing funds from your HSA account before you reach age 65. The early withdrawal penalty increased from 10% to 20%.