No, you don’t have to have a large amount of reserves, because it’s paid as part of the salary regardless. If you’re fired, you don’t have to pay it any more, even though you can still benefit from it.
It’s not dead cash sitting in an account on the bank, it’s in constant flow.
The same is true in the US, I invest my HSA funds, and I can sell if there’s a major medical emergency or something. The main issue is having to pay for insurance regardless of employment, but ACA subsidies are pretty good for that (I was unemployed for the better part of a year and paid very little).
No, you don’t have to have a large amount of reserves, because it’s paid as part of the salary regardless. If you’re fired, you don’t have to pay it any more, even though you can still benefit from it.
It’s not dead cash sitting in an account on the bank, it’s in constant flow.
The same is true in the US, I invest my HSA funds, and I can sell if there’s a major medical emergency or something. The main issue is having to pay for insurance regardless of employment, but ACA subsidies are pretty good for that (I was unemployed for the better part of a year and paid very little).
IMO, if you’re middle class, it’s largely a wash.