There is a lot of "smoke and mirrors" here. The 2-year window on pre-existing allows insurance companies to eventually get out of insuring pre- existing illnesses. Pre-existing illness should be covered forever just as in ACA but that is why mandates are needed ( insurance 101). Republicans are hell-bent on getting rid of mandates. HSA portion is nice but I contend is more beneficial with higher income individuals. There is some reason only 25% of people eligible to have HSA actually have them and they have been available since 2003. News Flash: The total cost of medicine actually leveled out over past 2 years because ACA had other effects especially on Medicare that most people don't know about or don't admit. I don't think will ever get control of medical costs until have "Medicare for All" aka universal healthcare. Yes you heard it from a physician who has seen all the different attempts over past 40 years. One last note--high risk pools for people with pre-existing conditions run by states has already been tried prior to ACA and was a failure because States do not fund them adequately and the individual has exorbitant premiums (much higher than ACA). BTW 30% of population has a pre-existing condition which would allow insurance company to discriminate by charging higher premium or complete refusal. A "2 yr window " No Thanks!!!!