"The MLR rules as drafted discriminate against Health Savings Accounts (HSAs) and similar high-deductible health plans in a number of ways. These accounts provide employers, employees, and individuals with an option to purchase coverage with a larger deductible so that the polices function more like traditional 'insurance' -- covering medical expenses above a certain threshold.... The Galen Institute respectfully requests that HHS exempt HSAs and other high-deductible health plans from the MLR requirement[.]"  MORE >>