General Discussion

To be able to get the quality of Health insurance you actually need.
I need an HSA on top of an employer provided health insurance policy, where they also pick up at least 1/3 - 1/2 the cost of the policy because there's chronic health issues in my family.
If I were to pay for my own policy, I would be out $30k a year on premiums.
I'm lucky, I've worked my way into management and almost make 6 figures, and have secondary household income.
My neighbors, with lower service industry incomes subsidized on the ACA, have health issues in which they'd have to decide if the higher income working spouse with a heart condition continues to get treatment or they get a roof over their heads and at least two meals a day.
An HSA that gives them even as much as $5k per person won't cover half a year of the that person's health care, nor would it help them purchase any of the high risk plans they need to keep that spouse treated.

But...thinking about it, if Single Payer or Nationalized Healthcare is off the table, a HSA on top of their current subsidized ACA plan would really take the stress off them.
Just saying.