Health Savings accounts are such a fallacy. As I understand it, they expire every single year or something. My firm pays for 100% of my healthcare, and I wish we could get more firms to do that, but when I worked for a firm that didn't pay for my healthcare, I rolled the dice and opted-out of HSA's.
There really isn't a good solution. You can't mandate people to stay healthy. You can't mandate people not fall ill with diseases they can't prevent.
All you can do is ask people to save-up for their own healthcare, and hopefully when health issues inevitably arise, they have some funds to pay for it.