> If you're destitute, there is a government plan that provides healthcare. For everyone else, it's a forced savings plan that everyone has to contribute to. S

> If you're destitute, there is a government plan that provides healthcare. For everyone else, it's a forced savings plan that everyone has to contribute to. So either totally government provided for the destitute, and a "forced savings plan" for most people, which is basically a tax/mandate. > You can then make a choice as a consumer to either take the basic insurance > or get your own private room that the gov't covers 50% of and you're responsible for the rest So the Singapore government is involved in subsidizing nearly all insurance choices all the way up to the high end, presumably funded by taxes. They also heavily regulate healthcare costs to keep them low instead of leaving it to the "free" market. Sure doesn't sound like what proposals like voluntary HSAs and their ilk propose in the US. The proponents of those stridently oppose any government regulation of healthcare costs or measures to ensure universal coverage. Instead, in the US, we consumers have plenty of skin in and the game, huge uncertainty and disproprortionate leverage put in the hands of our employers and health insurance companies, lack of universal coverage, and worse average outcomes.