$4.$ George works for Outdoor Lights Inc. and has two voluntary deductions for plans offered by George$$s employer: a $$220$ monthly deduction for his health insurance premium and a $$100$ monthly deduction for his Health Savings Account $($HSA$).$

a$)$ What is the difference between George$$s payment for the insurance premium and his contribution to the HSA, in terms of what he is paying for, and whether or not he keeps those contributions?

b$)$ For these two deductions, what are George$$s total tax savings if his average income tax rate is $12\%?$