You’re thinking of FSA
HSA is a health savings account. It doesn’t go away unless you’re using some unheard of vulture one. I had one from an old employer that I stacked up thousands in and it took me 5 years after I left to use it all
There are deposit restrictions, like you need to be on a high deductible plan
FSAs, Flexible Spending Accounts don’t have those same deposit restrictions. But you lose it after a year minus a usual $500 carryover
I find it hard to believe they denied actual chemotherapy treatments, though. They’re annoying to deal with but I’ve never once had a claim denied other than trying to buy an ankle brace at Walgreens
Even an electric toothbrush at the dentist was covered
Oh man, I saw a 2,000 word rant about it on Reddit. Just such whining
As if the dude would have bothered to do it for free? Likely not.
Pay, or don’t, and then reevaluate all the things you do for free and if you have room to stand