HSA are GREAT! My employer was putting in $180.00 each month in my HSA savings account. The monthly investment is now $120 per month since Democrats took control of congress. My cost of health insurance was $200 per month minus $180, or $20 per month. I do have a high dedutible of $3000 per year. However, I have more than the dedutible in my HSA bank account.
Last month congress voted to make the HSA more expensive by requiring each medical expense to be veviewd by a 3rd party (legislation sponsered by democrats). This passed but President Bush said that he would veto.
Bottom line....HSA are good because you have choice and the money in the account is yours. This is why the democrats do not want HSAs...
HSAs are great, they also help keep costs down because people feel like its their money and are less likely to waste it.