Despite smug statements to the contrary, HSA is a concept, not a "plan". Any reform of our health care system must include a catastrophic insurance program open to all Americans, in which participation of all Americans is required, and with fixed premiums based solely on age. Government regulation and participation would be necessary so that all are covered, without underwriting for specific risk factors.
Such a program would eventually replace Medicare and Medicade, classic examples of the over-spending abuses and convoluted billing that the health care industry counts on to perpetuate its profits.