Originally Posted by Godfather
Best way to lower costs is to move Big Insurance's cheese by taking the restrictions of HSAs. If you let HSAs be a legitimate option people would ditch insurance, put that money in the bank, and make their own decisions instead of throwing their money down a rathole. Even better, doctors get paid right away instead of waiting 3 months and having their staff make 30 phone calls to the insurance company.
My only problem with the HSA is how much to put in and if I understand correctly, which I may not, if I don't use all that money in the year, then I lose it.