4. I think they are--maybe not a scam--definitely a gamble.
I opted out for next year after watching $250 vanish this year. If I'm going to throw away money like that, I'll do it in a slot machine and have at least some chance of a return.
Like 401ks, I really hate these over-complicated "benefits" that require some prescient abilities to determine what my health or the stock market will do next week or next year. Take some of my pay and put it in a pension fund for retirement and let me deduct my medical expenses on my taxes. Is that SO fucking hard?!
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