I'm not entirely sure I understand how something elective can be "inherently unfair." If you don't like it, don't use it. And let's be honest here, I don't have the statistics, but I'd be willing to believe most "wealthy" people have jobs that provide the kind of comprehensive health care we working class folks wring our hands and gnash our teeth about all the time and so would have very little use for an HSA.

completely unsubstantiated, just my opinion.


Even if an employer offers nothing but, you don't have to take it, there are sources for health care outside of your work.

Also, how much concrete behavioral data can they have on something that's only a couple of years old?

Again, for me the plan is fine based on my lifestyle and my financially responsible nature but if I had a family, I would be back on my company's regular health plan immediately. The HSAs aren't for everyone. My immediate goal is to get two year's worth of the out of pocket expense into the account as quick as possible which will be easier now that my employer is going to match 100% of my contributions up to $5000 a year.

Basically, I have the savings to protect myself and I'm after the free money.