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Criticism of HSAs
 The opponents of Health Savings Accounts contend that they would do more harm than good to America ' s health insurance system. Some consumer organizations, such as Consumers Union, and many medical organizations, such as the American Public Health Association, have rejected HSAs because, in their opinion, they benefit only healthy, younger people and make the health care system more expensive for everyone else. According to Stanford economist Victor Fuchs, " The main effect of putting more of it on the consumer is to reduce the social redistributive element of insurance.