Define "significantly".

I know a homeschooling mom who does piano lessons. Let's pretend for a moment that she's charging low and doing 2 hours per day, weekdays only. That's over $10K/year.

I used to work as a math tutor. Half hour, three days a week. Did you know that a good calculus tutor can bring in $35/hr? Suppose you don't think that's a lot of money. When you only have $650 per month to spend for groceries for a family of five, $50ish/wk is *significant*!

I enjoy sewing, so I do special orders sometimes, usually costumes. Not a high dollar per hour amount, but it keeps me in sewing money for my own clothing, in which I can turn $15 in fabric and parts into a $80-150 outfit. Is that significant? It is to me, and I mostly do the work on Fridays and weekends. (We go year-round, three and a half days per week, in the homeschool.)

I don't spend 4 hours/day doing cooking, cleaning, and household chores. I have a husband who understands that homeschooling is a full-time job within itself even after the little extra things that bring in money. I also am not fond of cooking (prefer sewing), so most of my meals can be prepped within 10-15min, and it's not as if I have to sit in front of the oven and stare at it, so that gives me some extra time as well!

But let's take your assumption for a moment. Let's whittle it down a little. 4 hours per day for five days, and a 10-14 hour day on Saturday. Let's give her Sunday for her rest. That's still a roughly 35hr job. Add in some of the skill that homeschool moms tend to acquire, whether it be medical transcription, calculus tutoring, music lessons, or writing homeschool apps which can be programmed once and sold a million times, and you can very, very easily make a significant addition to your family income... reasonably, somewhere within the $2-80K/year range, depending on the person.

It doesn't matter to Obama if HSA's are viable only for the 1%. Obamacare has forced my family onto one. We would have to be at least in the top 10% to be able to pay the new premium for the PPO we used to have.