> When a single major medical procedure can result in a six-figure bill, there's just no way that the average person could ever save enough. You end up with people who are lucky enough to never need to tap their HSAs, and people who are unlucky enough to get sick, whose HSAs just present a speed bump on their slide into bankruptcy.

While I agree the HSA is an ineffective solution, what you're describing isn't accurate.

The HSA savings segment is not for major medical expenses. The savings portion is for minor medical expenses. The HSA savings account is paired with a high-deductible insurance policy that covers major medical expenses.