> They cannot "afford" HSAs or HDHPs if they get sick.
I can't get flood insurance when the water is up to my ass, but that's not saying anything useful.
>> The cost of medical insurance is beyond the means of
>> most lower- and middle-income Americans.
Maybe my problem with this is the vagueness of "lower- and middle-income" and "most" ... many? some? sure. most? I seriously doubt it.