I want you to know that the majority of people don't have a he income to benefit from health savings accounts or more tax deductions. One hospital bill from say a heart attack would more than wipe out one individual 's HSA. Understanding this, it is equally apparent that the individual mandate must be upheld. No insurance company can be expected to offer coverage to only the sick and charge affordable premiums. "Inexpensive insurance plans" are nothing more than catastrophic plans with 5k deductibles that don't cover the services people need the most. Minimum requirements of coverage must be enforced nationally to avoid a race to the bottom if competition across state lines is allowed!!!