This is not an improvement for the people. It doesn't protect people with pre-existing conditions from being out priced in the insurance market. It doesn't help low income people who can barely pay for necessities much less put money into an HSA. Low income people are not helped by tax credits for premium they can't afford. This bill is just one more way to make the insurance companies richer. We need to stop messing around with insurance companies and start looking at single-payer or universal healthcare programs. America needs to stop looking at healthcare as a profit opportunity.