What are Health Savings Accounts (HSAs)? Why might HSAs decrease health care spending?

What are some problems with the HSA concept? Consider an enrollee in a CDHP with a high-deductible HSA who is choosing between the two physicians whose fees vary by $50 per visit. How might the fee information infl uence her to choose the lower-priced physician? Why might the patient still choose the higher-priced one? Would your answer change if the difference was $200 per visit?