I agree and disagree, if one can afford a smart tv, iphone and other luxury's then give something up and be responsible with your health insurance.
HSA's are a joke, been around for year's and I've sold many HSA compatible plans pre ACA with $10,000 deductible's and low premium's because that's all they could afford and they used it as catastrophic plan. HSA's are for the upper middle class and beyond who can set up an HSA with a bank, the average person cannot.
If anyone thinks the premium's are going down (other than new catastrophic plans) I have swamp land I"ll sell you. Then again this plan released yesterday will be butchered or tossed out and another will appear.