Health Savings Accounts Far Better Than Obamacare


It’s fortunate the Supreme Court of the United States saw fit last week to rule that corporations could not be coerced into covering religiously objectionable forms of birth control for their employees. This was a critical ruling because it indicates that the majority of the court still thinks that religious beliefs and personal choice have a valid place in American society. The margin of the split decision, however, is alarming because it reminds us of how close we are to having a government that will subject moral convictions to its bureaucratically directed control.

People have legitimate differences of opinion about the appropriateness of various forms of birth control, which is something that most reasonable people on both sides of the political ledger understand. However, legally requiring the side opposed to a form of birth control to be financially responsible for its distribution to any employee who wants it is distinctly un-American and abusive to the concept of freedom of religion.

A major problem is that many people in our entitlement society see nothing wrong with forcing others to provide for their desires. In a free and open society, anyone should be able to purchase anything they want that is legal. It really should be no one else’s business. Common sense dictates, however, that it immediately becomes my business if I’m being forced to pay for it. Wouldn’t it be fairer and make more sense for people wanting some form of birth control to pay for it themselves? This is exactly what would happen if everyone had access to their own health savings account. A woman and her health care provider would decide on a birth-control method, and the cost would be deducted from her account with no involvement of anyone else in any way. It’s so simple, and upholds privacy and freedom.

Health savings accounts can be funded in a variety of different ways and give people total control of where, how and with whom they wish to spend their health care dollars. Most people will want to get the biggest bang for the buck and will independently seek out both value and quality. That, in turn, will bring all aspects of medicine into the free-market economic model, thus automatically having an ameliorating effect on pricing transparency and quality of outcomes.

Read the complete article at The Washington Times

24 Thoughts on “Health Savings Accounts Far Better Than Obamacare

  1. Janet Muldoon on July 10, 2014 at 9:58 am said:

    I am totally in support of this concept.

    • Dr. Carson’s solution to the health care crisis is imperfect. As there is no perfect solution to America’s health care crisis, I am in favor of it. Health Savings Accounts need to be set up so that the money cannot be misspent. I am not sure how we can do this.

      Another challenge to Health Savings Accounts is the very high cost of medications that some must take on a regular basis. (Perhaps pharmaceutical companies will lower the price of these drugs if people must pay for them out of their HSAs)
      I’ll vote for Dr. Carson if he runs for President.

      • Mary, tax-free HSAs have already been set up, a decade ago. I have never heard of a problem where HSA funds were fraudulently being spent on expenses other than, medical, vision and dental expenses. You are trying to scare people into not getting a tax-free HSA and I don’t like.

        This is a perfect example why Ben Carson should NEVER run for political office. Ben Carson hires people like YOU. Besides, Rand Paul is in hundreds of newspapers this weekend and Ben Carson is not. Rand Paul is doing all the work and Ben is doing nothing. HSAs scare you and Ben Carson scares me. Ben talks about HSAs yet he knows nothing.

        • Mary Butcher on August 18, 2014 at 10:53 pm said:

          Dear Mr. Greiner:
          It is good to know that HSA accounts have been set up earlier than I had thought. I am not trying to scare people out of HSA accounts, I am just expressing my opinions.
          HSA accounts may have the advantage of lowering health care costs over time as long as they are used wisely.

          • Mary please. You say, “HSA accounts may have the advantage of lowering health care costs over time as long as they are used wisely.”

            The TRUTH is that tax-free HSAs lower costs immediately. Unless you think that paying NO TAXES on medical, vision and dental expenses will actually increase the consumers’ costs.

            You can TRUST ME because I enrolled America’s 1st tax-free HSA in 1996 when they were called tax-free MSAs in the secret “Original Pilot Test.” Let’s see, that was 19 years ago.

            The reason you know nothing is because you are listening to Ben Carson and he is terrible at explaining tax-free HSAs, sorry.

            If Ben want’s to bone up on healthcare reform he should contact me because I do help politicians sometimes. I am working on the biggest race in the United States as we speak.

            I will teach Ben to say, “Save premium, eliminate taxes and build wealth!”

  2. Kas Baird on July 10, 2014 at 10:00 am said:

    I think it might be better to give more explanation on HOW a Healthcare Savings account that you suggest, would work. With so many out of work and so many on welfare, thus no money to “save”, it would appear that we would continue to have many without! Can you go into more specifics, Dr. Ben? Thank you! Kas Baird

    • Clyde Benson on November 14, 2014 at 12:06 am said:

      Kas, the idea that Dr. Carson gave was simple…for anyone wishing to open up an HSA, the government COULD (just an example) donate up to $2000 a year into EVERY individual HSA. With 317,000,000 people in our country, it comes out to around $600 Billion a year in healthcare issued by our government. However, anyone wishing to contribute individually to their account through their job or any other means could do so as well. Meaning…I could sell something on Ebay and have the money from that sent into my HSA. By contrast, as a nation, we pay nearly 3 times that every year in healthcare.
      Also, one of the main benefits of HSAs, as Dr. Carson has in mind, is that money can be transferred within a family to cover medical costs. Say you were my sister and found a lump on your breast (just assuming you are a woman, the name is kinda tricky), but a few months prior, you had spent a huge chunk of your HSA for an emergency room visit with your child who had been hurt while playing sports. You didn’t have the money to cover the surgery in your account. Well, I’m rarely ever sick and haven’t had to touch my HSA in years. So, I have a small healthcare fortune built up in my HSA. I log in to my account, click on your name in my family member area (again, just assuming that this is how it would be set up) and transfer the money from my account into yours.
      Also, with an HSA, it would make people, especially the unemployed who only get the $2000 a year) to seek better options on where they go for their healthcare. One of my favorite examples Dr. Carson gives is when Mr. Green gets a diabetic foot ulcer, rather than go to the hospital where they will fix the problem, charge him an outrageous amount and then send him on his way, he will go to a clinic. There, they will take care of the problem and then say, “Now, let’s get that diabetes under control so you’re not back in here in 3 months with another problem.” It puts the power of healthcare back in control of the person using it…not the bureaucratic middleman (insurance companies) that exists today who say, “You can only be covered if you go to someone we approve of, otherwise, we will make you pay extra.”
      I really hope this has help shed a little light on your question.

  3. Sandra Traw on July 10, 2014 at 10:26 am said:

    Have always believed this was “the way to go”! Believe most Americans would if they understood them.

  4. Merrily Lowry on July 10, 2014 at 10:52 am said:

    I would love to have the opportunity to choose an HSA. I had one for one year here in eastern Washington, and then it was removed from my option pool. I was NOT happy about that. I am supporting your candidacy wholeheartedly for many reasons, this among them.

  5. I agree with the plan completely! Obamacare sucks! This is supposed to be a free country and they’really forcing us to buy health insurance! That’s not freedom! Especially when you’re punished if you don’t! The savings accounts sound like a much better idea and a simpler way of doing things without feeling like you’re being forced to do something you don’t want to. Let’s do it!

  6. I agree with the plan completely! Obamacare sucks! This is supposed to be a free country and they’re forcing us to buy health insurance! That’s not freedom! Especially when you’re punished if you don’t! The savings accounts sound like a much better idea and a simpler way of doing things without feeling like you’re being forced to do something you don’t want to. Let’s do it!

  7. Hello Dr Carson,
    The best way for people to control their healthcare is to become the customer again and take control of all their healthcare through direct cash pay. Healthy.CoOp is designed to be a free market for wellness and healthcare . Please take a look and let me know what you think. Any assistance would be appreciated.

  8. Sandra Marschall on July 10, 2014 at 12:25 pm said:

    Ben The health savings accounts sounds excellent…I am still having a problem with legalizing aborti on or birth control that would lead to the killing of a conceived fetus, as it is murder in no uncertain terms…Would we allow someone to pay with there own money to murder someone Just because it is there own money??? It has become too easy to NOT THINK about the Natural Consequences of Choices One makes…and bear the responsibilities..of such choices…Thank you for heading up the brainstorming process for a better America

  9. Linda Baxley on July 10, 2014 at 11:50 pm said:

    Dr. Carson,

    I have used my HSA to good effect. Agree it would be better than having the government control healthcare. Question. If it us true that 20% of people drive 80% of HC spending – largely due to chronic conditions and multiple co-morbidities – shouldn’t this group’s unique needs be considered when designing funding of HC?

    There is a low cost clinic serving 5000 in my area that spends 40% less than the average Medicaid patient in the state with higher quality scores. A large part of the reason is better management of chronic conditions.

  10. Obamacare is part of the same pattern from Obama, like his manufactured immigration crises. He is a purposeful wrecking ball on our very freedoms. And our nation is at great risk unless we act immediately.

    I just wrote a post and mentioned you Dr. Carson as someone who should consider stepping up to the plate on a simple in concept novel solution. If you click my name its the post with Mr. Peanuts in the title.

  11. Bill on July 12, 2014 at 2:57 am said:

    I fail to see the difference between paying for insurance that covers objectionable contraception and paying your employee who then purchases objectionable contraception.

    • Aaron on July 18, 2014 at 10:10 pm said:

      Really? There is a big difference. Once the employee has earned their salary and received their pay it is their decision what kind of birth control they chose and their responsibility to pay for it. Then the employer is not being forced to purchase something that they have a moral objection to and can have a clear conscience.

    • John Morgan on August 4, 2014 at 7:33 pm said:

      Gee, why is it that you fail to see the difference? You don’t want to? Here, let me help you. An employer pays a worker EARNED dollars for hours worked. Once that money is paid to the worker, it is no longer the employer’s concern. That money may be used in any way the worker, who earned chooses to. The employer is not paying for anything objectionable.The pay is for work. Now thats completely different from the government telling me how to spend my hard earned money for something I believe to be immoral. Think about it, are we responsible for how the owners of a particular business uses the money that we spend at their establishment in their personal lives?

    • Why is it that if I pay my doctor, clinic, or hospital in cash rather than going through my insurance company, I will be charged more? It takes less staff time to process my payment than if I were to make them process my insurance claim. Please don’t compare a big box store like Cosco or Sams to a Kroger or private drug store. Why must I use a third party to receive a lower bill? Health care costs would drop considerably if one gets treated fairly.

  12. WT Flynn on July 13, 2014 at 10:56 pm said:

    I wonder how much Dr Carson has in his health account and if he pays for his wife and kids or do they pay for themselves?

  13. Go Back and imagine an entire lifetime living with a congenital aortic stenosis with the system Our President Is trying to improve and you will find out how difficult it is to get employment. You are automatically rejected because of the health insurance. Try and get insurance on your own – impossible. Try to pay fpr expensive doctors and lab tests and for three open heart surgeries, 10 catheterizations and many other costs too numerous to list. Heart surgery cost $5,000 in 1969 and $100,000 in 1992. I think 1980 one was $20,000. If you think I am an uninformed sloth, I put my ex, a conservative neurologist, through medical school only to be abandoned and left with 2 young teenagers when I was 43. Then I went to college and law school. It was during this time of higher education that led me to be a liberal with the ridiculous Republican congress of 1994. That has only been reinforced since 2000. Unfortunately my heart is getting the better of me at 67 and I am so grateful for Medicare. There should be Medicare for all. Or just pull those folks out of the cracks and shoot them.

  14. Michael S. on July 22, 2014 at 4:12 pm said:

    I have a few quibbles with HSA plans. First, if a HSA plan was implemented nationally immediately, what would happen to everyone who has not had a chance to save anything? (Wouldn’t want a repeat of Obamacare’s ‘cancel all insurance’ fiasco…) Second, if a woman decides that her HSA can afford a version of monthly birth control and her healthcare provider refuses, what options will she have? (A more-specific example would help my decision making.) Third, if a household’s HSA is too depleted by a series of accidents, like Bozo A drove a car through that household’s party, what options will that household have if the head has a cancer diagnosis right after the last bill has been paid? (Catastrophic, true, but that’s what insurance companies keep wussing out on covering. “Ooh, you had a catastrophe yesterday. Well, you didn’t know it but we cancelled you 2 days ago, sorry.”) Fourth, if the HSA provider goes bankrupt, how are their client’s going to be covered until their HSAs can be transferred (I am assuming that HSAs will NOT be HSA provider assets)? Fifth, but kind of “out there”, I have an HSA and decide to pay out-of-pocket for a controversial treatment out-of-country; would I lose my HSA just because I ignored it this time? (For example, there are no U.S. providers of the reversable but otherwise permanent male birth control…) *I am on Medicare, with no savings (bills and $100/mon of food are the limit of my paychecks+SSDI).*

  15. This is too stupid to comment on but I will. 19 years ago I enrolled America’s 1st tax-free HSA when they were called tax-free MSAs.

    1st. Tax-free HSAs are in ObamaCare already. Take the HSA Bronze plan for example. See how stupid this article is?

    2nd. They are called tax-free HSAs by people in the know.

    3rd. We need politicians who have a clue on healthcare reform, not bozo’s.

    4th. Hobby Lobby is selling insurance for hundreds of dollars per month to employees with family coverage. Then if an employee gets too sick to work they are put on a short term COBRA for insurance termination. This is not Christian, this is deadly. Ben Carson thinks employees are slaves to the employer and the employer should choose the insurance on the employee’s children.

    5th. The tax-free HSA needs better salespeople than goofballs like Ben Carson.

    6th. Ben, say this: HSAs have tax-free deposits, growth and withdrawals, AMEN. Total tax freedom, with a mutual fund option. Of course, WE NOW KNOW, money that is NEVER taxed will last longer in retirement.

    7th. If Ben Carson is going to run for President in 2016 he better take a moment or two and bone up on healthcare reform. Please quit saying stupid things about tax-free HSAs.

    I hope this clears up some of your confusion Ben.

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

Post Navigation