Favorite theme of Chicago 912 protesters: free market reform of healthcare, exposing Obama’s lies, preserving the Constitution. ‘HSA’ refers to health savings accounts, allowing consumers to pay for routine healthcare with pretax dollars. HSA’s are illegal in some states. Most HSA users carry low-cost catastrophic healthcare policies to cover expenses of major illnesses or accidents. The combination of HSA’s and catastrophic coverage is less expensive than more typical comprehensive healthcare coverage.