I have been a cheerleader for HSAs for a while now and this Op-Ed by Mitch Daniels, govenor of Indiana, is illustrative of the benefits of an HSA plan put in practice.
Here’s a snippet:
When I was elected governor of Indiana five years ago, I asked that a consumer-directed health insurance option, or Health Savings Account [...]

Liberals hate health savings accounts (HSA).  Why? Because it gives people more control over their health care decisions and it reduces redistribution of wealth.  How?  Younger, healthy people are the most likely to choose an HSA.  If the younger, healthy people opt-out of normal health insurance then it raises the cost of health insurance for [...]