re: USA will have Socialized Medicine in 20 Years - It's Inevitable

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(3) make HSA's universal, whether you have a HDHP or not. In fact, make HSA's mandatory like SS.

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I agree with this also.

To add to this, I think it would also be beneficial to start HSAs at birth. Let the money compound in the market/or govt bonds for 50 years. Let people use this at age 50 until they get to 65 as a bridge to Medicare. The money you have leftover in the account at 65 is yours to keep and use as you wish. This gives people the incentive to stay healthy. Because the healthier you stay the more $$$ you could potentially receive at 65.

I would use the lottery to fund these accounts instead of using the lotto money on education. Put in a nice chunk of $$$ at birth and then a small percentage yearly. Let it compound.