[Spivak]

I can be down for this. To anyone who doesn't deal with the innards of US health insurance, this is better coverage than every health insurance plan in America despite the bar seeming so low.

I do think your bar for catastrophic is far too high and should probably be ~$10k cumulative spent in any span of time less than 12 months because $49k is ruinous to almost every American.

[monero-xmr]

My counterpoint is that for a family of 4 it’s $28k total per employee at my company for health insurance. If even half of that was put directly into an HSA the bar could be hit quickly. It’s just amazing how unbelievably expensive and wasteful US healthcare is.

[Spivak]

That's a good point. Throw in a provision to handle workers that don't have benefits packages and still make shit pay and I think that's all my concerns.