re: Health Savings Accounts (HSA) for ALL

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The talking point is it will benefit highly compensated employees more than others, especially with no cap and therefore unlimited tax deferral, though that's what discrimination testing is for.

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So what? I'm one of those highly compensated employees according to government standards. However, my company's high deductible health insurance package is shitty. My max out of pocket deductible for family coverage is $13,500. I have to save two straight years without even touching it to have enough in my account to meet my deductible with the current contribution limits. I can't do anything about my coverage until I find new employment elsewhere. I just wish there was a way I could place more in my HSA than what's currently allowed. If there's going to be a limit and the market is staying with these HDHC plans, then at the very minimum raise the limit to $15,000/yr or so for those who wish to contribute more.