High Deductible Health Plans (HDHP) and Health Savings Accounts (HSA) tend to scare the crap out of many employers.

No matter which way the national debate on health care turns, privatization, nationalization or some hybrid, the only way that health services become more cost effective is through a healthier nation. The detrimental effects of a less active lifestyle are catching up on Americans. If current health trends continue regardless of the system in place, we all will suffer.