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In this Tuesday, Feb. 7, 2017 photo, Lauren Nieves-Taranto, left, and husband Francisco play with their youngest child Nicolas, 4-months, at their home in Windermere, Fla. Nieves-Taranto covered the entire $8,000 bill from the birth of Nicolas last year with his account balance from a health savings account, or HSA. (AP Photo/John Raoux)

In this Tuesday, Feb. 7, 2017 photo, Lauren Nieves-Taranto, left, and husband Francisco play with their youngest child Nicolas, 4-months, at their home in Windermere, Fla. Nieves-Taranto covered the entire $8,000 bill from the birth of Nicolas last year with his account balance from a health savings account, or HSA. (AP Photo/John Raoux)

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