I agree, an important component though is that insurance premiums are pretax, so you’d need to expand HSAs to be large enough to pay insurance premiums.
> so you’d need to expand HSAs to be large enough to pay insurance premiums
I don't think that's the problem so much as 1) IIRC you simply can't use them for premiums in the first place and 2) you need a high deductible plan to be eligible for an HSA in the first place
