[Sanddancer]

No kidding. HSAs are great if you're healthy. Soon as you have a chronic condition or two where you need to see the doctor on a more than biannual basis, you see where they, and the rest of the insurance system really starts falling apart. A friend I have has several chronic illnesses and is on a pretty typical high deductible health insurance plan you get when you're making $15/hour. Because of this, she can't afford to get treatment for those chronic illnesses due to that several hundred dollar annual deductible just to get into the door. Seeing a doctor would help her greatly, but she's screwed because of the penny wise, pound foolish situation these kinds of plans offer.

In contrast, I'm on disability and on Medicare. Medicare means I pay $6/month for prescriptions which have a "retail" price of $2k, and my copays for regular, non-preventative, doctor visits are $10-$20. Even the doctor fee is because I'm using one not fully within the medicare system. This actually makes it possible to get treatment, even while seeing doctors who specialize in my various medical conditions. Thus I'm getting better, and don't have to balance treatment and finances.

[UncleMeat]

They are also worthless for the poor, who don't benefit from the reduced tax liability.