“I want to end this flagrant scam and put extra money straight into the health care savings accounts — in your name, and you go out and buy your own health care. And you’ll make a great deal, you’ll get better health care for less money,” he said in a video message this month. And the problem is nobody has a crystal ball to predict who will wind up facing enormous health care costs. Health policy experts also point to more fundamental questions, such as, who, in the end, benefits most from HSAs? Lisa Jarvis is a Bloomberg Opinion columnist covering biotech, health care and the pharmaceutical industry.