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December 12, 2005


Trapier K. Michael

I agree with Fuch's main point - that HSAs won't have the affect on utilization some predict. And I agree with the three points he makes to explain why.

But, at least here, I don't see him saying that changing utilization habits is a bad idea, just that it is difficult. What IF that 20% could disperse its risk aversion across the 100% AND still spend every dollar (not just the deductible) with the same stewardship they have over their HSA dollars?

Wouldn't that influence providers to compete for those dollars and continually raise quality and lower cost to do so?

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