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In the past 3 years my father has been billed millions of dollars in healthcare. If he had a health savings instead of insurance, he would simply be dead now. The better option is public single payer healthcare. Insurance sucks, but health savings is simply worse. Pooled risk spreads out costs. If the government pools the risk then they eliminate the needs for constant financial profit growth at the expense of the insured.
Yep! Having medical costs be a “fend for yourself” system is super ableist. I had a double lung transplant in 2014 thanks to the affordable healthcare act, thanks Obama, and if my “personal savings” had been the only thing I had to pay for it I’d be dead. Lots of people, like myself, are born disabled, we deserve to exist, having a system where I still get healthcare even if it costs a couple million to put me in ICU for six months and do 12 hours of surgery is the only humane option. Some bills just can be covered by the very vast majority of us, and like you said single payer healthcare is the obvious answer, insurance sucks but it still covers a very important gap