According to @mcuban, annual premium subsidies funneled into HSAs create a strong incentive for healthy consumers to pick the lowest-premium plans that maximize HSA deposits and keep the spread. Source: Mark Cuban on X, Nov 20, 2025. He argues insurers will roll out zero-premium-style products similar to Medicare Advantage, enabling carriers to profit from enrollment shifts into these designs. Source: Mark Cuban on X, Nov 20, 2025. For traders, his thesis points to potential upside for managed care and HSA platforms if this policy path advances; key liquid exposures include UnitedHealth Group (UNH) and CVS Health (CVS) for Medicare Advantage scale, and HealthEquity (HQY) and Optum Bank under UnitedHealth for HSA assets. Source: UnitedHealth Group 2023 Form 10-K; CVS Health 2023 Form 10-K; HealthEquity FY2024 investor materials. Cross-asset context: policy headlines that lift healthcare heavyweights can move major equity indices, and research has documented episodes of elevated crypto–equity correlation that can transmit risk-on flows to Bitcoin. Source: IMF Global Financial Stability Note 2022; Mark Cuban on X, Nov 20, 2025.