Some very interesting ideas about how to lower the costs of healthcare - specifically the costs of doctor's visits. It seems like a very logical and well thought out plan.
One suggestion that I'd make. I would allow individuals and families to take unused monies put into PSA's and allow them to transfer those funds into 401K's or IRA with no tax penalties. I'd allow this transfer any time between January 1st and April 15th. Currently most PSA plans are calendar year "use it or lose it" and many people use this unused money on items that they don't really need just to avoid losing it. This wrinkle would allow better efficiencies and encourage retirement savings at the same time.