The other commenter is comparing FSA to HSA which is right I think. I think FSAs work for some people (I never understood who though) but there’s literally no downside to an HSA. It basically can end up as another tax sheltered investment account, if you have enough money/luck to be able to pay off your healthcare costs out of pocket.
Like everything in the US, it’s amazing for people with money. Less useful for those that don’t. But at the very least it provides a buffer for the insane deductibles that US persons need to pay to keep living.
I’ve seen this in banking too. I have my health savings account with a provider that charges a percentage of your holdings as the admin fee. That can add up. My old one is a flat rate per month. I have been transferring the money every year to the flat rate provider and the process is completely arcane.
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Find the document on their site. The correct document isn’t named clearly like the document you use to pull other providers into your account.
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You have to print it and write by hand (not an editable PDF)
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Assuming you’ve done this correctly you must mail them the document, like he said, with a stamp like a fucking caveman.
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Behind the scenes the process is even more arcane, because again they claim they PHYSICALLY MAIL A CHECK to the new provider like fucking cavemen.
It’s really clear that this is in bad faith. Banking “innovation” is a joke in the US. I know that everyone hates crypto up in this bitch (I get it), but a little self custody would go a long way in situations like this.
Signal no longer requires a phone number. You can now create an account. Not sure if that helps your outlook on it, but yeah. It was a fairly recent update that this was rolled out.
Edit: being told we still do need numbers to register. I haven’t gotten a new phone since well before the change was made, so I haven’t actually created an account and gone through the process. It looks like I misinterpreted what was going on when I read the changelog.