Yes HSA is not a policy, it is the tax free or credit vehicle of which a catastrophic insurance plan can be purchased as well as a Direct Primary Care Plan with a local MD of your choice. Making said credit available to everyone is in Dr Price’s Bill if my memory is correct which is a fatal flaw of Obamacare. Right now ( and before Obamacare ) unless you worked for an employer, or had a small business where you could take the credit, if you were somewhere in between ( 1099 contractor etc ) you were screwed, just like all those right now buying Gold, Silver and Bronze plans, they are with after tax dollars...
“Primary care” - this illustrates how polluted health care has become. This “primary care” gate-keeper business came about with the move from indemnity to HMOs.