"In the beginning, HSAs received almost no industry support.... In the beginning, HSAs received almost no support from conservative think tanks.... In the beginning, HSAs received no support from academic health economists.... HSAs were originally a bipartisan idea.... One of the earliest adopters of an HSA-type plan was a labor union.... HSAs are one of the earliest examples of behavioral economics applied in the workplace.... The companies that have profited the most from HSAs have contributed almost nothing to their legislative creation, their public promotion and their political defense.... The HSA that works best with the Obamacare tax credits is a Roth HSA.... The HSA Design that economists like is the one everyone else hates.... President Obama could create 35 million more spend-it-or-save-it accounts by executive order."