Most Republican health care proposals include Health Savings Accounts (HSAs). People like them because they reward healthy lifestyle choices and careful, cost-conscious use of health care resources. When we are advised we need to get a MRI, we ask “when?” and “where?” but hardly ever, “what does it cost?” If the MRI is now paid out of this special pot of money set aside only for health care and funded by our employer or ourselves, cost suddenly becomes relevant. What we don’t spend, we keep. Whatever our employer deposits, we could add to it with both of us getting tax deductions. HSAs drive down prices and utilization. Hospitals don’t like this. They are delighted that Obamacare pays them for services for which they previously did not get adequately paid. Most other providers — drug companies, eye doctors, chiropractors — agree.