The opportunity to have Health Savings Accounts (HSAs) and Health Reimbursement Arrangements (HRAs) has been a huge step in the right direction. But regulation of these accounts is way too limiting. For example, employers cannot fund the accounts and then let employees choose a concierge doctor, who is available 24/7 by phone or email and provides all primary care. That makes no sense, especially when the cost of high-quality, concierge care these days is no more than $50 per month for a middle-aged adult.