Original sentence: In addition, the government allows tax-free Health Savings Accounts at all marginal tax rates to investor
Edited sentence: Also it is argued, HSAs segregrate the insurance pools into those for the wealthy and those for the less wealthy which thereby makes equivalent insurance cheaper for the rich and more expensive for the poor.Economists reckon that this subsidy adds little value to national health care as a whole because the most wealthy in society tend also to be the most healthy than those less well off and because there is little control over which medical expenses qualify for tax ememption,  when these savings are spent it tends to be on non-essential care such as cosmetic dentisty and plastic surgery just to avoid paying tax.In addition the government allows full tax shelter at the highest marginal rate to investors in Health Savings Accounts, which are mostly used by the wealthy as a tax shelter.Some argue that this is a waste of foregeone tax income that could have beem better directed