Because the President thinks you use too much of the health insurance you already have and are too dumb to decide when you should go to the doctor.

Feel better?  I know that the White House is going to frame this proposal as "we trust the American people to manage their own healthcare decisions" but as the article above notes, that's not the case, in fact the opposite is true.  The people putting this proposal together think that most Americans go to the doctor too often and when they don't have to and since they have insurance they aren't being properly disciplined by the cost of it all.  In fact, if anything they believe most Americans are over-insured. 

Wow, as if having had to spend almost $900 up front for a 30 minute minor surgical procedure for my one year old (in spite of a good health insurance plan) didn't already piss me off enough, but hey,what do I know?  I surely don't have the kind of insight into everday people and their problems the way the White House policy political wonks do and lord knows they've never screwed anything up before.  

Then again I predict that people like Bill Thomas (R-CA) who'll be pushing this proposal through Congress, after having the honor of crafting a Medicare prescription drug plan with a noticibly hugh hole in the coverage scheme, are probably going to pooh-pooh those who'll note that HSA's will primarily attract the healthy and the wealthy (its another tax break shelter, after all) but not work so well for pretty much everbody else who isn't....but then again, this really isn't about finding something truly workable and affordable that will cover everyone while providing a high level of healthcare service is it?