Doubledown makes a very thoughtful, well-reasoned comment and you do nothing to dispute anything he said. You simply insult and personally attack him. Just pathetic. Judging by your comment, you have no clue what an HSA even is. An HSA is very much REAL health insurance. The insured makes a pre-tax deposit into a designated Health Savings Account on a regular basis, typically an amount is auto drafted out each pay period. This account can be used only for health related expenses, i.e., doctors visits, prescriptions, etc. The trade off is that HSA's come with no coverage prior to the deductible being met, meaning all office visits, lab work, test, exams, etc. are all paid out of pockets, usually with a debit card for the Health Savings Account. The benefit for this is slightly reduced premiums. After the deductible is met, it's like any other major medical policy covering everything up to the limits of that policy, be it $1 million, $2 million, etc. So you're other comment regarding HSA's not covering catastrophic events is complete and utter *****. Our healthcare system needs reforms, but not this 2000+ page ***** of a bill that will do more to line the pockets of big medicine and bankrupt this country than actually help people.