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To be fair, health insurance doesn't HAVE TO be provided through work. It's easier than ever to find a private plan. To the employer it's just another employee cost along with salary so if you didn't ask for a raise when that happened, that's on you then.

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I did get a raise; had to threaten to quit, but did get one. It's the HSA contribution limit that pisses me off. I don't have an issue paying, but I'd at least like the benefit of pre-tax $. The HSA limit has not kept up with the ACA OOP limit. Other than inflation adjustments, it's up to congress to raise it.

Employers can also contribute to HSA. Ask them to top you off.

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