Why do healthcare costs keep rising? Because, unlike other markets, the consumer—that is, the patient—is not in charge. Third parties, primarily large insurers and Medicare and Medicaid, are.

Health Savings Accounts, which have been around for 20 years, allow patients to control certain funds rather than third parties. Today there are 35 million accounts that benefit around 65 million people.

But HSAs have some serious restrictions that reduce both their potency and their popularity. This segment of What’s Ahead focuses on two bills in Congress that would remove some of these obstacles. These bills should be passed ASAP.