There really are no reputable papers supporting medical savings accounts, so if the opinions represented here appear biased it is because there is consensus in the policy community that MSAs are a bad idea. However, that doesn't stop many American politicians from using MSAs as a cornerstone for their policy reform packages, so it is important to understand their arguments and why they don't hold true in theory or in practice.
http://books.google.com/books?hl=en&lr=&id=EHGelqyhVKQC&oi=fnd&pg=PA133&dq=
medical+savings+account&ots=3_--PndlUi&sig=IyxF8rnZCpTXlQyHSB0ORQetAA8#PPA133,M1
http://www.cmaj.ca/cgi/reprint/167/2/143
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