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.

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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.