According to @mcuban, channeling taxpayer-funded $1,000 per month into HSAs reframes the actuarial value of recipients and, for those earning below the federal standard deduction, non-qualified spending would only incur a 20% penalty, leaving roughly an additional $10,000 per year to use, source: @mcuban. According to @mcuban, directing $1,000 per month into HSAs would also encourage more Medicare Advantage-type structures, with carriers setting up zero-premium plans, adding incentives, and matching deductibles to the HSA inflow, source: @mcuban. According to @mcuban, he guarantees these designs would produce a lower payout value than the worst ACA plan, implying leaner claim costs relative to ACA benchmarks from the insurer perspective, source: @mcuban. According to @mcuban, recipients could earn interest on HSA balances until used, but plans would steer spending to in-network providers at inflated prices, which he characterizes as a razors-and-razor-blades marketing model, source: @mcuban.

According to Mark Cuban, a short-term approach to ACA premium subsidy debates would allocate 100 dollars per month into a Health Savings Account that can only be used for a Direct Primary Care monthly subscription, while applying the remaining expected subsidies to premiums, source: Mark Cuban on X on Nov 23, 2025. Cuban states that having Direct Primary Care should lower plan costs, which in turn should allow premiums to be lowered rather than raised, source: Mark Cuban on X on Nov 23, 2025. He publicly sought feedback and addressed the idea to Senators Ron Johnson, Bill Cassidy, and Rick Scott, source: Mark Cuban on X on Nov 23, 2025. The source did not provide implementation details, cost modeling, regulatory steps, or timelines for how this HSA restriction and subsidy allocation would be operationalized, source: Mark Cuban on X on Nov 23, 2025.