A little off track rant but the tax and health policies of USA are super freaking unbelievable. Why on Earth can one not be eligible for a HSA when they don't have a HDHP? The healthcare is screwed up. The least you could let people do is use their pre tax monies for the health treatments.

And don't even get me started on FSA and forfeiture. That's MY money. What the hell do you mean the amount is forfitted?

Apologies for my language. The policies are making me go crazy.