The Residential Real Estate Crash Index Message Board

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Strategies & Market Trends : The Residential Real Estate Crash Index

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To: GraceZ who wrote (212042)	7/23/2009 9:11:15 PM
From: Oblomov	Read Replies (2) of 306849

My wife and I have been very pleased with our HSA. We have had some large expenses that would not be covered by a typical insurance plan (hearing aids for myself), and by virtue of the tax break, we ended up much better off than we would have been with the usual PPO/HMO. I'm surprised that the center-left does not support HSAs, even a subsidized form of them. They fit the model of the "libertarian paternalism" that Thaler and Sunstein described in Nudge: they create a sequestered account, thus taking advantage of the human tendency toward mental accounting, they increase the degree of "public choice" in how care is utilized, and they create incentives for reducing the cost of care without constraining individual freedom. The reasons I can ascertain for opposition to HSAs on the left are 1) they came to fruition in the Bush Administration, thus are unquestionably bad 2) they do not encourage the insured to regard health care as a "commons" whereby they can increase their own quality of care (or decrease it among unfavored groups) through political means.

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