What‘s an MSA?
It's an Account that is solely for Medical expenses and is a LOT less restrictive than an insurance policy. It's tax deductible just like health insurance is and you can invest the money like you can a self directed IRA. And when it tops out....you don't have to put any more money into it.
And eventually you can have the money to do anything you want with it. Buying boats, cars or other toys.
But it basically is under Your control and discretion as to what treatment you get....but you can't use trips to the Caymans or other tourist destinations....or purchase non medical devices out of the Account.