Ok, so people are supposed to save for their retirement AND for their children's college fund????

[airplaneman]

49. My employer dumped an HRA for an HSA this year.

I have to admit this has really changed my mode for medical care.
With the HRA it was use it or loose it so when my doctor wanted me to take meds or get a blood test it was no out of pocket and in general I felt that if I needed medical care I would seek it out. With the HSA although I do get 25% back in taxes it represents a significant increase in my costs for medical care. My mode is now to avoid getting medical care as it is going to cost me so I will no longer seek it out if needed unless I feel I have no choice. So I essentially will avoid medical care the best I can because blood test, meds, and doctor visits in general are outrageously expensive and now I have to pay for them. I am already forking out 5K just for the policy with a 5K deductible. Meds that I have been taking have doubled and tripled this year and I am already going to every other day on some and considering stop taking the most expensive ones and look for holistic alternatives. The bullshit I hear that it will cost you anyway is not reality. Reality is that I will seek out healthcare if it is not going to wipe me out financially and I will not seek out healthcare when I have to pay for every visit and every test and every med in full with my money.
-Airplane