"[T]he ObamaCare people have published guidelines that require all health insurance plans to have an actuarial value of 60 percent -- which means at least 60 percent of any care is paid for by the insurer and no more than 40 percent is paid for directly by the insured. HSAs don't meet the 60-percent threshold. This is because ObamaCare counts only the $5,000 paid for your family's insurance policy, not the $5,000 your family sinks into its HSA. Under ObamaCare's confused bureaucratic standards, that means 50 percent of care your family receives is paid for by your insurer, 50 percent by you. The only way for your HSA to meet the 60-percent threshold, then, is for you to purchase a more expensive policy, significantly limit the amount you put into your HSA or abandon it altogether."