>My own prediction is that we all end up with very high deductible HSA plans, basically catastrophic insurance, paying out of pocket for everything else. How i

>My own prediction is that we all end up with very high deductible HSA plans, basically catastrophic insurance, paying out of pocket for everything else. How is this a bad thing? The insurance model breaks down when you try and use it for routine stuff because it creates perverse incentives since the person services are being rendered to isn't paying. On some level every average person's lifetime cost has to be paid for by them if populations are stable? Why should we pay a 3rd party to administrate that stuff.