Analysis of HSA grants versus ACA subsidies: Given the problematic GOP idea to create HSA grants instead of subsidies

[andym]

11. Here is a followup article stating the inadequacies of HSAs as an ACA substitute that appears to make the same argument

re: inadequate coverage for high need individuals. What are your critiques of it?

https://www.yahoo.com/news/articles/why-health-savings-accounts-aren-192637529.html
Paige Winfield Cunningham, (c) 2025 , The Washington Post
Tue, November 25, 2025 at 11:26 AM PST
"Why health savings accounts aren’t the fix Republicans hope for"

I can't present the whole article, but for example here:
"...The GOP is toying with the idea of taking federal subsidies that currently help people buy Affordable Care Act insurance and diverting some of the money into individuals’ HSAs, although passing legislation without help from Democrats is a tall order with Republicans’ slim Senate and House majorities.

But health economists say the vast majority of these individual accounts - already used by tens of millions of Americans - do not contain sufficient money to pay for serious health expenses. Even boosting them with new federal contributions would not build enough reserves to pay for expensive care for an emergency or major illness if needed, they say.

“There’s a place for health savings accounts to augment insurance and fill things out around the edges, but it can’t be the core insurance product,” said Douglas Holtz-Eakin, a health economist who directs the American Action Forum, a conservative think tank."

The article continues and is worth reading through if only for the political implicattions.