186
Rossman a delightful rant against uncancellable subscriptions
(www.youtube.com)
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
this post was submitted on 06 Sep 2023
186 points (96.0% liked)
Privacy
32111 readers
646 users here now
A place to discuss privacy and freedom in the digital world.
Privacy has become a very important issue in modern society, with companies and governments constantly abusing their power, more and more people are waking up to the importance of digital privacy.
In this community everyone is welcome to post links and discuss topics related to privacy.
Some Rules
- Posting a link to a website containing tracking isn't great, if contents of the website are behind a paywall maybe copy them into the post
- Don't promote proprietary software
- Try to keep things on topic
- If you have a question, please try searching for previous discussions, maybe it has already been answered
- Reposts are fine, but should have at least a couple of weeks in between so that the post can reach a new audience
- Be nice :)
Related communities
much thanks to @gary_host_laptop for the logo design :)
founded 5 years ago
MODERATORS
Those HSA accounts are thinly veiled state legalized theft for political cronies. At least they are in my state.
Money goes in. Administrator determines if money goes out. Money (by law) does not roll-over from one year to the next and the administrator keeps the balance.
Just don't use them.
Anecdote: A coworker of mine secretly had cancer. He was putting tens of thousands of dollars each year into his HSA. They denied him use for his chemo or whatever and it rolled his funds into the wood chipper. Tens of thousands of dollars.
You're thinking of FSA
HSA is a health savings account. It doesn't go away unless you're using some unheard of vulture one. I had one from an old employer that I stacked up thousands in and it took me 5 years after I left to use it all
There are deposit restrictions, like you need to be on a high deductible plan
FSAs, Flexible Spending Accounts don't have those same deposit restrictions. But you lose it after a year minus a usual $500 carryover
I find it hard to believe they denied actual chemotherapy treatments, though. They're annoying to deal with but I've never once had a claim denied other than trying to buy an ankle brace at Walgreens
Even an electric toothbrush at the dentist was covered
The other commenter is comparing FSA to HSA which is right I think. I think FSAs work for some people (I never understood who though) but there's literally no downside to an HSA. It basically can end up as another tax sheltered investment account, if you have enough money/luck to be able to pay off your healthcare costs out of pocket.
Like everything in the US, it's amazing for people with money. Less useful for those that don't. But at the very least it provides a buffer for the insane deductibles that US persons need to pay to keep living.