More Problems with Health Savings Accounts

There are lots of problems with Health Savings Accounts. Here's one problem: people at lower income levels don't use HSAs. Here's another: it's very difficult to know how much to set aside each year since it's very difficult to find out what health care procedures actually cost. These are really deep problems with our health care system (and our society) that would have to be solved before relying on HSAs and catastrophic health insurance.