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Neural Foundry's avatar

Sharp framing on the Crapo-Cassidy shift from subsidy pipeline to patient accounts. The thing most coverage misses is that HSAs aren't just about consumer choice, they fundamentally change the incentive structure becuase when people control the dollars directly they start optimizing for actual cost-effectiveness instead of navigating whatever the insurer pre-approved. The subsidy model keeps intermediaries as gatekeeprs; the account model makes them vendors competing for business.

Michael Barrett's avatar

Well written and informative post…

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