The Ultimate Medical Benefit Savings Account for Medical Expenses
Imagine paying for a service that becomes a habit for self care at a fraction of the price over time, or could be a savings account for the raining day when paying one's medical deductible or Initial Unshareable Amount (IUA) is necessary.  It's even being used in place of Medicare Supplements. It's not insurance and there's no restrictions preventing anyone from having one.
HMA Example

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