it. under the current system they will not get lower because 90 percent of the health care dollars are paid for by a third party. we need to be modelling the health savings account. hsa. what does that mope? this is how it workings. you get a health insurance policy with a high deductible with $2,500. and good chaps your employer will put the 2500 in your pocket because it is cheaper for him. and so he sets aside 2500 and it is years and the first $2,500 that you have of that year you pay for out of that fund. what if you don't spend it all. you cope it or hold on to it and pay tax or tax free roll over to the next year. 2500 might be 3500. and now you have that. and if you have extraordinary medical expenses above the 2500