Snark and agenda aside, can you explain the $50k shelter?

As I understand it, only $50k could be passed on to heirs? Otherwise, for personal/spouse healthcare spending, the entire amount would be available. Correct?

DAL73n posted ~$250k in retiree health expenses which jives pretty much with what the Fidelity numbers were in the slide show. I can only assume that number is going to be way higher in 3 decades.

Unless I die, and my wife dies before we can spend the $ (in which case do I care? ) then we will be able to shelter more than $50k. Denny's point about basically using the HSA as an IRA is well taken, and could allow flexibility on the back end.

I think the biggest issue is the use it or lose it aspect, especially in a large community pot. I'd like the ability to manage how much is being diverted into this account, but we've already pretty well covered that we won't know for sure until there is a ruling.

Complexity is hyperbole. Just because it's complicated means we shouldn't consider it?

As far as not trusting DALPA to manage it, I'd point to DPMA. It has a lot of parallels to this program (potentially), and AFAIK it runs very well and is beneficial to us all. Once you get out of the political side of the ALPA office, we have some really good volunteers that keep their heads down and provide a lot of value for the pilot group (if you're who I think you are, we worked together doing some of that very work several years back.) Should I be ****ed that I'm paying into DPMA every month and may never use that money?