Interesting story on Universal Health Savings Accounts and how it might be what Obama really wants, he just might now know it. 
The time has come to propose an expansion of HSA and make it the universal foundation of American healthcare. Universal HSA should come with a mandatory major medical indemnity and prescription plan. These will be the same plans offered to Federal and private-sector employees through their employers. These are also known as ERISA plans (Employee Retirement Income and Security Act) which national employers choose in order to avoid compliance issues in the 50 individual States. Any funds contributed to the HSA after the payment of the indemnity premium will be saved for future needs be it co-pays, co-insurance or what the accountholder deems necessary. The savings accumulated may be left to account holders heirs without estate taxes.
