On erasing state lines for insurers - I take it the main idea is reduced prices due to increased competition? How do you prevent a race to the bottom in terms of regulation though? Or is that part of the intention, to force states with high standards for insurance plans to relax those?

On HSAs, do I understand correctly that these are simply blocked accounts into which X amount of money can be deposited annually which is then exempt of income tax, and this money can then only be used for health expenditures? Does expanding HSAs do anything for the forty-ish percent of Americans who aren't paying federal income tax in the first place?