So let me get this straight. For the last couple years, the HSA was getting worse and worse to try and weed people off of it. Now they want everyone on the HSA so the solution is to make the HRA as bad as possible so we will be forced to the HSA? The contractual plan rose 20 percent last year from $400/month to $480/month. If it does another 20 percent, it will be $576/month next year. I didn't look so I'm not sure that's accurate. What I'm getting at is even at our salaries, insurance is starting to become unaffordable.