Health Savings Accounts: the quick explanation

Here's Kevin Drum:

The debate over HSAs is going to get mighty wonky over the next few months, but always keep this explanation in mind as you're trying to make sense of the charges and countercharges. The fundamental idea behind HSAs is not to provide better healthcare, it's to provide less healthcare. Conservatives want you to think twice before spending a hundred bucks for your regular pap smear.

That's pretty accurate. It's reasonable to wonder if some sectors are made inefficient by overconsumption, but I can't see how health care, where prevention is so key to efficiency, is one of them.