Given that a lot of the reoccurring is not just for emergency coverage but standard healthcare services and purchases. It might also be interesting if there was

Given that a lot of the reoccurring is not just for emergency coverage but standard healthcare services and purchases. It might also be interesting if there was an investing account that you could withdraw from tax free to use for those types of things. This might minimize some of the incentive to lean on your employment and insurance as a middle man for this.