Here’s where it is their fault. I quit my job, moved to Florida. I figured my wife and I could get a high deductible plan like my former employer provided, and save $100/month into our new HSA all for $400. We had a plan picked out from Florida Blue. Then, bam! I couldn’t get that plan anymore. Federal regulators required baseline features that moved that plan to, and I shit you not, $730. That’s more than my mortgage. So we used my wife’s company plan. No HSA. No asset accumulation. Just pure cost. Her doctor, same as mine, is not in network and does not take insurance. So that’s $1,500 a year that doesn’t go to the yearly 12k deductible.