Let Americans Keep the Savings They Find

As candidates approach upcoming elections, they need to address ways to make American health care more affordable and accessible without creating complex new government programs. Many people are trying to save on health care costs but often face obstacles due to existing federal policies.

1. Encouraging Cost-Conscious Decisions: Consumers should be rewarded for spending their own money on health care. When they choose cheaper options for prescriptions, their spending should count towards deductibles and out-of-pocket maximums.

2. The Every Dollar Counts Act: This proposed legislation would ensure that out-of-pocket spending on prescriptions counts for insurance benefits, regardless of where the purchase is made. This would eliminate the conflict between saving money and maximizing insurance benefits.

3. Modernizing Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): Current policies need to be updated to allow consumers to use FSA and HSA funds for a wider range of health care memberships that offer discounted services.

These proposals would not replace insurance or create new systems but would align policies with how consumers already seek affordable care. Public policy should support individuals making responsible health care decisions. 

https://realclearwire.com/articles/2026/08/20/let_americans_keep_the_savings_they_find__154429.html