Health Savings Accounts (HSA) are perfect for those who are psychic and know whether they will be sick in the following 12 months, and exactly how sick they'll be. Too bad we weren't able to predict my husband's cancer diagnosis. Cancer is expensive. HSA's and all of the other 'market solutions' in this bill will just take us back to where getting sick results in bankruptcy. High risk pools, lack of basic care requirements, return of lifetime limits on care: none of these are even intended to help citizens afford healthcare. This is not a replacement for Obamacare, it is a tax cut for the wealthy.