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ObamaCare needs replacing. instead of universal coverage at lower costs, it leaves tens of millions uncovered and increasingly greater numbers with skyrocketing premiums and costs, fewer insurance choices. . its top-down approach means huge bureaucracies and prolix rules just to try to manage the entire health care field. This approach represents the old progressive thinking and it has reached a dead end. it lacks economic sense. A new progressive approach requires melding the old progressive ideals universal, affordable, accessible with sound economics. This leads to a bottom-up approach, which empowers the patient, not the bureaucrat. By ensuring everyone has the means to pay for health care, a market is restarted for services and products. . Health Savings Accounts (HSAs) are an existing way to accomplish this. By law, each HSA must be tied to coverage for all substantial health risks. These policies are high deductible, and the HSA is ta