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This is propaganda. Not everyone who has an HSA has their money in the stock market. You may choose to do that, but the majority of people, like me, have their money in a FDIC-insured savings account at a credit union or bank making a safe interest rate of 3 to 4%. Also, recent studies reveal that even those who invested in the stock market with their HSAs lost very little compared to the rest of the market, because HSA investment options tend to consist of diversified mutual funds.

The author of this article is using misleading scare tactics to suggest that using an HSA is “trusting Wall Street” with one's health savings. When the truth is that HSAs allow people to trust themselves instead of the government while giving themselves the power to choose their own medical care on their own terms. If I want alternative therapy like accupuncture for pain or water-fasting for high blood pressure (both medically documented to work), I don't have to ask the government for permission, as would be the case under Obamacare.