I've always thought that especially younger, healthier government workers should have the option of a HSA. (This is not even an option for some employees from what I understand.) Could you imagine the savings to the system and the healthy employee who socked away their allotment every month? It's not a good fit for everyone, but a younger employee would stand to benefit. 

Let's assume that this employee gets less than the average, say $10,000 per year, dumped into their own HSA. In a few short years he/she would have enough to cover most health care expenditures while reducing the overall cost to the taxpayer. 

Again, not for everyone, but some would take advantage, likely to everyone's benefit.