I strongly Disagree with this op ed, which is trying to obfuscate the truth. First of all, no one is "covered" by health savings and flexible spending accounts. That's not true health insurance and Ms. McKee and her think-tank know that deep down. Just imagine someone trying to put enough away on a middle class salary to afford a health catastrophe from chronic illness, to Jimmy Kimmel's son born with a heart defect, to even a broken limb. Pooled risk is what healthcare is. You dug through the Affordable Care Act to try and find ways it harmed working-class people, and found some weak superficial places it seemed like it did., The fact is that the ACA benefitted the poor and the middle class. It's repeal is aimed at providing tax cuts to Ms. McKee, and her cronies, while 23 mil. more middle and lower income Americans face an uncertain medical and financial future. I ask you, assuming you have a conscience, is this really the type of country you want to live in?