This is dumb. Really dumb. Really Really Dumb. Why? Because when you give it to Ins Carriers under the ACA, they have to spend at least 85pct of it on care for plan holders. When sent to people's HSAs, there is no assurance that the money will be spent on healthcare costs at all. A recipient can save the money and take it out when they turn 65. MORE LIKELY , people will get that HSA cash, immediately take it out, pay the 20 pct penalty and buy whatever they want So your tax dollars could be throwing parties ! Does this mean I like the subsidies going to the big insurance carriers ? No. It means there are better ways to do this. Whatever we do, taxpayer money HAS TO GO DIRECTLY TOWARDS PAYING or Guaranteeing NECESSARY MEDICAL CARE. Sending money to people's HSAs is really dumb