I was looking at the White House website which talked a lot about HSAs (Health Savings Account) and there was a lot of info. And yeah, basically HSAs are good for people that are healthy & wealthy. Here's the way I see it: HSAs require you to have a high-deductible insurance plan. But what if you can't afford to buy a high-deductible plan in the first place? And they talk a lot about the leftover money rolling over from year-to-year. But they don't address, what happens if you don't have enough money in your HSA to cover your deductibles? How the heck are you going to put money away in an HSA if you can barely pay your rent? How are you going to pay for your health care when you have chronic medical conditions which will now cost more to treat?

Yeah, HSAs, that will solve all our healthcare problems.

(Ironically, HSAs would help me out since I had one of those high-deductible plans when I worked for Starbucks, and I barely went to the doctor since the co-pay was so high. But I'm thinking about my future. And diabetes and cancer runs in my family. And I've been developing worsening health problems. Sigh. If only I was a rich, white male. Then Bush would be favoring me. )