Oh, Yes it does!! If you have a medical account to spend anyway you want, and don't have to go to a specific plan or dr. for care, they will be competing for business and not spending all of their time and money arguing with ins. cos. You will go in, get the care, pay cash, and leave. No admin. costs to speak of.
There would probably be more specialized clinics and such for routine care - a free market is always cheaper in the long run than a monopoly.
This is the best hope we have had for better medical care in years. The carry-over provision is necessary, though.
It won't do a blasted thing unless government Mediscam price supports are eliminated.
And Congress will never have the courage to upset the senile citizens with that type of reform.
In the meantime, this is just another tax loophole for those who could afford to pay cash anyway (and probably already have full medical coverage.)