Of course it's fair, my criticism isn't with your outcome but with designing an insurance plan to work this way.

It's weird to tie your little extra money to your health insurance plan.

That's why it's not the only option. It's a benefit not a restriction. The powers that be saw an opportunity for insurers to cover less and insurees to leverage that into a different benefit. It's all just about shifting risk around and taking a little off the top.

It's a nice incremental addition to the existing system. Way more feasible than changing the system.

▲

BobaFloutist 4 days ago | parent [-]

But the additional benefit is a tax benefit, also known as "all the other taxpayers subsidize this behavior"

	▲	whateveracct 4 days ago \| parent [-]
		They're (slightly) subsidizing the fact that I am covering more of my medical expenses out of pocket. Remember it's only tax free if I eventually spend it on health care. Feels like the equivalent of other things we give tax benefits for. Various things for your and your dependents' well being.