Bad Healthcare Plan

I read at MyDD that Bush's highlight of the state of the union address at the end of the month will be private healthcare savings accounts: people put their own money into an account to use for healthcare when needed. I'd assume, although not said there, that the government would contribute by matching what is added or giving interest on the savings, but again, I haven't heard much, or looked at their source (check out the link for more). But an obvious problem with this plan is that the people that need healthcare won't have the spare money too contribute, and will have to spend more to pay health bills. Look out for this in the State of the Union this month.