Private-market answer to rising costs has critics

The popularity of health savings accounts has grown, attracting employers and workers with a price tag that's significantly lower than other forms of insurance. But skeptics say HSA growth potential is exaggerated, and that the accounts target healthy people, siphoning them out of insurance pools and leaving sicker patients behind. Critics also say HSAs lack consumer-friendly information that allows people to make informed decisions on services, such as a comparison of hospitals and doctors' prices and effectiveness.