Savings are very beneficial but the process of obtaining healthcare with them is excruciating! Every single time I call in, I get completely differing information and have had to spend HOURS following up on their issues. Not only that, they provide a customer service # within the portal that appears to be their # but is actually HealthSherpa (a for profit private sector company) without disclosing it. 98% of the employees I have spoken with have been totally incompetent and uncaring. This whole process has been infuriating!