Very well stated.<quoted text>
As a former physician still in my prime of late 30's let me try educating you about the meaning of HSA and insurance policies. Of course, this is an explanation of the point of having HSA, which you liberals are about to tear apart, so you are correct there.
A) HSA is not meant to save you from hospitalizations, this is what your INSURANCE is for. However, since you now foot your copays yourself the PREMIUM for a high-deductible could be VERY low, depending upon your overall health. For a family this can be a significant household save.
B) The Obamacare act has as one o the intentions to destroy any such policies. Why? Because it is an incentive for people to work to stay healthy. Most health problems are entirely preventive and for others a catastrophic coverage is way to go.
C) People with multiple chronic problems will still get care as today. In my entire lie as a doctor I have NEVER done anything differently because of insurance issues. This is another gigantic lie from liberals.
D) IF HSA's were to be let rolling over from year to year significant savings would accrue.
E) More cash/out of pocket pay for non-emergent things through HSA will drop prices like a rock once the regulators, parasites and all other nonsense is taken out.
F) Finally, it is very misleading to simplify this issue the way you have done. Read the entire Obamacare bill page to page (like I have done) even though your leaders haven't ands maybe you would understand something. The Crux of Obamacare is to destroy individual responsibility, ferment collectivism and transfer the remaining vestiges of private values in healthcare to the government.
So far two of my friends from medical school has quit. One already got a job as a RAC auditor (helping medicare micromanage doctors pay) and the other one is now working with education. Of course, this is just a snapshot of all the docs I know. Even if more is quitting, there will always be someone willing to work for the government, especially when you are a federal employee and no longer have to be worried about getting sued. I bet you everything neither Obama and his trial lawyer supporters don't know what to do with this. Through my malpractice insurance these years, I have given thousands of $$ to the trial lawyers and then democrats. I have probably given pout more money to liberals against my will than most libs on this site. No, not probably, but very likely.
An "adverse effect" even the libs didn't think abut. I think doctors should be held accountable if they do something wrong, but arbitration would have worked better and compensated most victims more than the current process, IMHO. Get ready for forced arbitration if your Obamdoc messes up.
Somewhere along the way, medical insurance ceased to be insurance and became pre-paid medical care, driving up the cost.
The left refuses to accept that most people are basically healthy and are better served by catastrophic insurance.