Now that you, Nancy Pelosi and I are finally discovering what’s in Obamacare, it’s getting ugly. In fact, for me, it’s now officially personal.

My family and I have chosen a health savings account (HSA). I have a “catastrophic” plan to go with my HSA. So instead of putting all my money towards an insurance premium each month, I put money aside for out-of-pocket care and pay a lower premium. In other words, I pay for most of my basic healthcare needs from my HSA–that is, instead of shifting the cost of my care onto you. This helps keep your premiums from going up. Why? Instead of going to the doctor and getting a $100+ prescription of Nexium – the cost of which would be dinged to the insurance pool – I go to Target and by a very similar over-the-counter drug called Prilosec. It costs me $15. It costs you nothing. If I didn’t have the HSA, I’d be passing everything beyond the copay onto the insurance pool–that is to you. And I’d probably get Nexium instead. The copay is $15–same as the Prilosec OTC, after all. Right now, my incentive is to save us money.