h.s.a.'s in so many it's almost like a swiss army life. doesn't just do this. it does five or six other things. you don't have any money in your h.s.a., it's a good hypothetical tool but it little dull in terms of where it can cut. give credit to the product, i think. victor is the only manufacturer army nice.s that's why they have a little bit of a logo in there, unless i've missed that. or mcgiefer. so the idea of the health benefit system moving around advantage dollars so they actually produce more bang for the buck, integrated in one another with health insurance. now, you'll hear from our speakers. there are some current proposals to change the contours of h.s.a.'s, but there are also and thoughtful ways to reach beyond even tweaking here and there on the margins. have three speakers today. our first is going to talk about how to have a more precision approach to h.s.a.'s. it's an early way to think about this. introduce the three speakers separately. roth has just been a new appointme

most of the young people on my staff are getting h.s.a.'s and the reason they got h.s.a.'s was because they did a little bit of a calculation. they did a little bit of financial literacy. they looked to see what the plan was for the full coverage and then they looked to see what an h.s.a. would cost. and they said, well, gee, if i take the difference in the court -- cost between the regular insurance and h.s.a. and put that into one of these savings accounts that can grow tax free, in a maximum of three years i will cover any deductible that i might have. so they considered that to be good insurance and they got to make a lot of their decisions. but i don't think we want individuals making their decisions. that appears to be how obamacare is constructed. then there's an increase in mandates, item number 4. the mandates existed before obamacare but dramatically increased with obamacare. it added mandates and guaranteed issue, community ratings, both previously tried in the state. such mandates distort the marketplace and drive up the cost of care. policies within states tha

most of the young people on my staff are getting h.s.a.'s and the reason they got h.s.a.'s was because they did a little bit of a calculation. they did a little bit of financial literacy. they looked to see what the plan was for the full coverage and then they looked to see what an h.s.a. would cost. and they said, well, gee, if i take the difference in the court -- cost between the regular insurance and h.s.a. and put that into one of these savings accounts that can grow tax free, in a maximum of three years i will cover any deductible that i might have. so they considered that to be good insurance and they got to make a lot of their decisions. but i don't think we want individuals making their decisions. that appears to be how obamacare is constructed. then there's an increase in mandates, item number 4. the mandates existed before obamacare but dramatically increased with obamacare. it added mandates and guaranteed issue, community ratings, both previously tried in the state. such mandates distort the marketplace and drive up the cost of care. policies within states tha

most of the young people on my staff are getting h.s.a.'s and the reason they got h.s.a.'s was because they did a little bit of a calculation. they did a little bit of financial literacy. they looked to see what the plan was for the full coverage and then they looked to see what an h.s.a. would cost. and they said, well, gee, if i take the difference in the court -- cost between the regular insurance and h.s.a. and put that into one of these savings accounts that can grow tax free, in a maximum of three years i will cover any deductible that i might have. so they considered that to be good insurance and they got to make a lot of their decisions. but i don't think we want individuals making their decisions. that appears to be how obamacare is constructed. then there's an increase in mandates, item number 4. the mandates existed before obamacare but dramatically increased with obamacare. it added mandates and guaranteed issue, community ratings, both previously tried in the state. such mandates distort the marketplace and drive up the cost of care. policies within states tha

h.s.a.'s and f.s.a.'s are used for things like hospital and maternity services. they are used for dental care. they are used for physical therapy and access to mental health services. access to these lifesaving services could all be gone to millions of americans if the cadillac tax is not fully repealed. second, i have heard from employers large and small from all over nevada saying that they will inevitably have to eliminate services their workers currently enjoy. dramatically increased deductibles and premiums and will have to cut certain doctors out of their networks. right at the heart of obamacare's broken promise, and that is if you like your health care, you can keep it, or if you like your doctor, you can keep it. this onerous tax targets americans who already have high-quality health care, and nevadans have reached out to tell me how this tax will affect them. one of the stories that hit me the hardest was hearing from a schoolteacher in las vegas. as the son of a cafeteria worker, i know the sacrifices that these educators make each day. cynthia who wor

some of the decisions, where we encourage more people to be in the system, where we expand the use of h.s.a.'s, refundable tax credits, where we also allow people to buy insurance across state lines, we could put money back into state-level high-risk pools. i really like the invisible risk middle schools allow people to pay what they were paying before but to get the unique care. we pass medicaid to the states in terms of block grants or per capita allotments and we partially privatize medicare starting in 2024 with a premium support system that's not in the bill. that's one of the -- i'm reading suggestions that he gives. cap the amount for tax exclusions in higher-cost employer-based plans. now, you need to know that the proposals that we've been putting out, in spite of what i've been hearing over on this side, kids under 26 still get to be on their parents' insurance. we're not taking that off. i keep hearing that we're eliminating the preexisting conditions. we are not. there hasn't been a proposal to eliminate the preexisting conditions. so quit saying that. that's just fearmongering.