Health Savings Accounts (HSAs) have proven to be one of the most controversial provisions of the Medicare Modernization Act of 2003. Will HSAs blaze a trail to a more efficient health care system? Will they disrupt existing employer-sponsored insurance? Will they prove popular with health insurers, employers, and individual consumers?...

Policymakers should not wait any longer to address the growing fiscal crisis in this country. Responsible reform of Medicare is a major component of any plan to place the country back on a sustainable fiscal path.

Several elements of the health reform plans moving proposed by the White House and moving through Congress would be detrimental to patients.