I agree with DisneySteve but my reason is more philosophical.
I think we need to get away from this mentality of "Let someone else pay for healthcare" (the HMO) and move into "I will manage my own healthcare and healthcare related costs." (the HSA).
I think managed cost healthcare hasn't really worked and consumer directed healthcare will work better, at least somewhat.
That being said, I see the biggest downside of HSA's is the temptation and human nature to not spend your savings. I can picture legions of people with $50,000 in their HSA squawking over an MRI or lab test a doctor wants to order because they'd have to dip into their savings.
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