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

15 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.

  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

  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.

  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).*

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