MeFi post: Adequacy + Catastophe = Efficiency?

I don't know much about health care & insurance so maybe this is a stupid question and not in the scope of this discussion but I thought the whole reason why there's HSA accounts is to control the cost. So in this case, people do pay for their own checkups but also, people are more cost conscious about their medical decisions, which, the theory goes, then will make the system more efficient.

Or is there something I'm missing?
posted to MetaFilter by vocpanda at 11:40 PM on January 21, 2008