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lotsofpulptoday at 9:06 AM1 replyview on HN

Vision and dental "insurance" in the USA is a mechanism of paying someone with non taxable income, it is not insurance.


Replies

vel0citytoday at 12:57 PM

This is the way to understand it. Also, sometimes discounts "in network", but that can be pretty mixed in usefulness.

Sure, you can use HSA/FSA money on these things, but better to go through "insurance" and keep/use that money for other things.