Maybe. But with employer provided benefits that comes at a cost to the employer. Thats why its a benefit and a part of a compensation package. (IE: you work for

Maybe. But with employer provided benefits that comes at a cost to the employer. Thats why its a benefit and a part of a compensation package. (IE: you work for us and we pay you x, give you x in retirement and subrogate x on these healthcare initiatives). If i am freeing the employer of that burden....should that not reflect back on my compensation? Surely you dont mean the employer should then be able to save more and basically lower their compensation for employees and expect the same return? There are plenty of packages on the open market that are generally better than what an employer offers. But you are essentially making extra sacrifices by opting out with no benefit to you and all the benefit of the company. It would make more sense for a company to even offer a HSA where they contribute as much as they would to a plan to a savings account and allow the employee to also contribute their share pre-tax. And apply that to plans available on the open market.