Some Americans fail to receive even basic health care services because they are uninsured, underinsured, discriminated against because of their preexisting medical or psychiatric conditions, or unable to locate a physician or mental health provider who accepts their particular forms of public or private insurance. The call for market solutions to the nation's fragmented system has been issued by a cluster of business and commercial health insurance groups who advocate a policy direction they identify as "consumer-driven health care." Their vision includes massive marketing of health savings accounts (HSAs) to U.S. health care consumers as a cost-sharing approach to relieve burdened employers and restrain government's role in the financing and delivery of health care.