Underutilization of health care may occur which will actually increase health care costs because of lack of early and timely intervention of serious illness. Because of adverse selection, this plan penalizes older people and people who have medical problems who use non-MSA medical insurance. MSAs appear to be feared by those profiting from health care as a business. The fear is less profit to them. This appears to be the explosive question.
Loss of control appears to be the most feared element on all sides.
Big business and big government fear control in the hands of individuals. Individuals may fear control in their own hands and its responsibility. If ever there was a time to fear control over your health in the hands of others, it is now. Nobody has more interest in and more influence on your health or illness than you do. We do not seem to appreciate the value of something until we have lost it.