[RipSawyer]

I propose a mental exercise. We all can observe that people who are often in ill health visit doctors or hospitals more often than those who are generally in good health. Do they visit the doctors more often BECAUSE they have a lot of health problems or is it just possible perhaps that they have a lot of health problems because they visit the doctor so often? In my little peabrain this is a serious question. I am not speaking of people who have accidental injuries or anything like that, I am referring to chronic illness.

[Red Boots]

I have noticed that those who frequently visit the doctor have good insurance. The things they run to the doctor for are health issues that the rest of us without good insurance, take care of on our own. These are things like back pain, sciatica, colds, infections and the like, including just feeling down, lonely or blue, which become trips to the doc, or hospital, because it is practically free. Once they get in the loop, then they start having issues related to too many drugs, too many tests, and etc. An HSA for everyone would solve this, and that's why they have dis-incentivized them.