The genius of a health-savings plan is that it dodges the politically explosive charge of rationing by foisting the rationing on the covered individuals. A $2,500 deductible is a king’s ransom in a country where the saving’s rate is a negative percentage, and in which consumer debt is the economy’s life’s blood. Notice how Mackey refers to employees’ “own health-care dollars” as if they have any such thing. Where do these health-care dollars come from anyway, if not from employees’ pay? What Mackey proposes essentially amounts to a surreptitious clawback of his workers’ wages in the form of premium defrayment.