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This video is good on how consumer-driven health care can reduce costs is pretty good. To their examples of falling prices and improved quality in laser eye surgery and hair-transplants (not covered by insurance, and thus paid for out-of-pocket) I would add optometry, which you can now get at Costco!

I'd guess that if a hundred million people were paying for routine health care out of their own HSA's, we would quickly see the advent of the medical equivalent of the personal computer. Machines that could take and analyze tiny blood samples and analyze urine samples, and check blood-pressure and heart-beat. Then give rapid feedback on possible problems, or recommend dosage changes for medications. And send the info to your physician, along with alerts if anything is out of the ordinary. Maybe include video-conferencing with your doc...