HDHP and HSA are the same playbook as moving from defined benefit pensions to defined contribution 401k accounts. It’s a lot easier to reason about on the comp

HDHP and HSA are the same playbook as moving from defined benefit pensions to defined contribution 401k accounts. It’s a lot easier to reason about on the company balance sheet with the later at the cost of increased complexity and less safety for the employees. But they do love to spin the “triple tax benefits!!!!” (In the case of HSA) to try and convince people this is a great change. The old Microsoft Premera plan was stupendous as in you never thought about it, (nearly) everything was covered.