I'm about to have to utilize my old-fashioned health insurance due to an incipient heart attack--did NEJM just approve of a conservative goal?
It doesn't require 4+ years of med school to set simple bone fractures, or stitch a wound up, or give a shot of penicillin.
As long as the medical elite has the government enforcing their privileged and lucrative status, we the patients and consumers will be forever screwed in the medical arena.
All About HSAs (pdf).
HSA Road Rules (pdf).
Health Savings Accounts (HSAs) Technical guidance
It is well worth your time to consider an HSA.