The House recently passed two bills (H.R. 6199 and H.R. 6311) that would make a number of modifications to Health Savings Accounts (HSAs). While most of the provisions contained in these bills would increase the usefulness of HSAs to consumers, their cumulative effect on costs wouldn’t be noticeable in the context of the immense U.S. health sector. HSAs won’t reach their full potential until more is done to promote vigorous price competition among those supplying services to HSA enrollees.