One policy change that I would advocate for is increasing the employer match for employee contributions to the Health Savings Account (HSA). This change would encourage employees to save more for their healthcare expenses and support their financial health. Plus, once they have $2000 in their HSA, they can start investing, which is a nice bonus for long-term savings goals. Additionally, depending on the plan, once employees reach a certain amount in their account, the HSA admin fee goes away. Most employers I have worked with have always paid this fee, so in the long-term, some of the funds would even out a little bit.