Health insurance is becoming more expensive for the average person.

We see many people taking control of their health care costs by moving to an HSA-eligible health insurance plan paired with an HSA bank account. Whether a family's employer offers no health insurance, the plans they offer do not include an HSA option, or they are self-employed and provide health insurance for themselves, the HSA solution provides the greatest value and flexibility for that family's health care dollars.

Individuals who cannot afford health insurance coverage can still have access to appropriate care provided by free health clinics. We are pleased to be able to fund better access to healthcare for the uninsured and underinsured and to help limit one of the cost drivers of premiums for the insured -- that is the use of hospitals for non-emergency care by the uninsured.

a slow but perceptible deterioration of our employer-based (health insurance) system.

It's our No. 1 issue. The cost of health insurance keeps on going up double digits every year.

You need healthy, vibrant small businesses that can afford to pay for health insurance and provide fringe benefits.