Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are often lauded as tools that empower consumers to take control of their healthcare spending. They encourage saving, and are seen as market-driven solutions. But we should remember that HSAs and FSAs are not really triumphs of freedom; they are symbols of how convoluted and overregulated our healthcare system is.

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Private equity involvement in healthcare has grown rapidly in the past twenty years, with annual investments reaching an estimated $505 billion in 2023. High-profile failures, however, have fueled criticism about PE practices. This working paper takes a critical look at the most common complaints and evaluates whether government intervention is warranted.

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