I think that's weird! :) The scope of medical care is really pretty insane, though. I don't really understand why I have a plan that covers both seasonal alle

I think that's weird! :) The scope of medical care is really pretty insane, though. I don't really understand why I have a plan that covers both seasonal allergies and life ending testicular cancer. Those seem like services you'd "shop" for separately if they were, say, care related (oil change vs wreck), I don't really understand why people would do it differently. That said, there's no reason you couldn't have what you wanted and me still get what I want, other than the fact that the market's so perverse no one's offering it. If you could use those HSA funds to buy into a "health maintenance plan", would you opt to do that instead? I'd rather have them be discretionary so I can pay for things like laser eye surgery or pec implants.