Millennial Health Care Saving Account Must be Nickel Option in Exchanges

Create the Affordable Health Care plan that benefits millennials today and America tomorrow presenting a fifth nickel option "hybrid health care saving account."

Millennials would pay the minimum current option premium and receive credit to their health care savings account equal to a percentage of the difference between what their premium was and services they received as treatment expenses.

Credit balances in their account be used towards their enrollment the next year on an established pro-rata bases such as the following example: If you paid $3,600 for first year premium and received $600 in health care benefits your gross health care saving account is credited with 80% of difference or $2,400. 

The healthier lifestyle you lead, the more you earn in your Health Care Savings Account, which you can decide how best to use.