These accounts, in some cases, have even resulted in reduced health insurance protection and greater out-of-pocket expenses for those most in need of health care services. Problems of adverse risk selection have also taken place when a healthy person has chosen to establish MSAs and obtain high-deductible health insurance; this choice has sometimes caused premiums to become less affordable for persons who desire traditional health insurance...
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Also known as health savings accounts, medical IRAs, or Medisave accounts, MSAs are viewed as a way to restore individual control over health care expenditures by linking such expenditures directly to a personal medical bank account. Proponents of MSAs argue that these accounts have encourage consumers to use routine health care services more economically because unused funds accumulate in the account and can be used for future health care needs without restriction...
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