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'Father of Health Savings Accounts' Envisions the Ideal Health Care Reform
National Center for Policy Analysis [NCPA] 
[Opinion] Apr. 18, 2012
"In any rational health care system, public policies don't encourage people to choose to be without health insurance. But for millions of people, that is what we are currently doing. Under the interim measures (2010 to 2014) of the [ACA] ... those perverse incentives for some people have become even worse.... Think about that for a moment. For millions of people, public policy does nothing to encourage the purchase of private insurance. But if they choose to be uninsured, they can count on a system of public and private charity that is actually quite valuable."
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