There's a lot of incentive to leave the money and not use it for medical expense.

Health insurance scams are a huge problem. We've seen huge increases in health insurance premiums, and that makes consumers very desperate for affordable alternatives.

This bill is the most fundamental reform effort we've seen in probably two decades out of Congress.

The argument by proponents is if consumers have more skin in the game, they'll choose wisely. When you look at the facts or figures, especially bankruptcy from medical costs ... consumers already have skin in the game. We all understand the costs.