3 pages. Excerpt: Advocates of HSAs contend that health insurance 'disguises' the true cost of health care. Patients with health insurance, advocates say, see the health services they receive as being 'free,' and therefore overuse them, causing health care costs to rise. This is known as the theory of 'moral hazard.' Health savings accounts purportedly solve this problem by forcing consumers to purchase health services 'with their own money.'  MORE >>