Since joining an HSA I have more than tripled my out of pocket expenses. This is because of Asthma Medications that are not generic. Most Asthma related drugs are not generic because of the greedy patents in place. My monthly prescriptions went from $130 to more than $700 per month. This is cash out of pocket. One more thing. The general coverage of basic health care under an HSA is barely covered. I pay just about full price for everything.

You mentioned that you are sacrificing possible salary increases because the company pays for insurance costs. This is a bit naive. If a company saves money that doesn’t automatically mean I will get the difference in my salary. Companies will always pay their employees just enough to keep them. Any extra money saved by a company will be either taken by overpaid executives or “hopefully” re-invested into the company.

I think we are going about this wrong in this country. I want to know why is Healthcare so expensive in the first place. I want someone to expose the truth about this very corrupt 2 trillion dollar business. We are asking the consumer to make all the changes but we never ask the industry to change. I just want to know why it’s so expensive.