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The healthcare system is so messed up.
They have improved it by offering hsa for people that are more healthy.

True. HSA's would be unnecessary in this scenario, as well. You could just earn money and then decide what to do with it. No more of these weird tax created hoops to jump through.

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Right.
I just feel it is better than the alternative.
For now.

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Absolutely. It's a taste of what no tax (dis)advantaged services would be like.

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