More patchwork solutions a la healthcare style that adds more complexity for ordinary people. When people couldn't afford to actually use health insurance due

More patchwork solutions a la healthcare style that adds more complexity for ordinary people. When people couldn't afford to actually use health insurance due to high deductibles, what did the gov't do? Come up with HSA and HRA programs. This is yet another giveaway to landlords and ways to prop up housing market that is one a decline.