The employer provided $4000 and the $2000 are both "your money" because if you didn't have any medical expenses, you'd be able to keep $6000 in your HSA. As a c

The employer provided $4000 and the $2000 are both "your money" because if you didn't have any medical expenses, you'd be able to keep $6000 in your HSA. As a consumer of healthcare you'll try to protect this money, which means you're more likely to question unnecessary services and overcharges.