In order to make coverage more accessible, Congress must do more, including passing legislation to: establish a national health insurance marketplace by giving individuals the freedom to shop for insurance plans across state lines; provide low-income families with $1,000 in direct contributions to a health savings account, along with a $2,000 advanced tax credit to purchase an HSA-eligible high-deductible health plan; make premiums for these plans tax deductible; provide tax rebates to small businesses that contribute to their employees’ HSAs; extend and expand grant funding to high-risk pools across the country; and require anyone who earns more than $50,000 a year to purchase health insurance or post a bond.