There is an excellent model for bringing down health care costs. The state of Indiana offers a choice of plans for its state workers. One is a traditional plan and is chosen by about 30% of workers. The other is a unique plan that offers HSA's to the workers combined with a state provided catastrophic insurance plan. The state provides some money to the plan and allows workers to contribute pre-tax dollars to the plan with no limit so they accumulate over time. Funds in the plan DO NOT EXPIRE. They belong to the employee. Guess what? Because the non-catastrophic costs come out of the workers "pocket", THEY SHOP. This plan is preferred by 70% of workers and has caused Indiana health insurance costs to decline by 9%.