On Friday I decided to follow-up with the Department of HHS about my question about HRA, “Can a firm with less than 50 employees continue to offer HRAs since these firms are specifically exempt from the Affordable Care Act(2711) regulations?” So I called the HHS switchboard and they transferred me to a regional office where I left a message. As a person covered by a HRA in which I purchase health insurance in the individual insurance market, I am a person with “skin in the game” and I doubt that my place of employment will add a group sponsored health insurance to the HRA plan. My boss had said they chose a HRA with individual health insurance since it achieved the same results with less cost to the firm. That is an interesting statement. I found confirmation for his statement in the brief, Spending for Private Health Insurance in the United States, and posted my results in the post, Spending for Private Health Insurance in the United States. This begs the question, “Why is the HHS promoting such an inefficient health care policy?” I think I know the answer. Some things are better left unsaid if I want my particular situation to stay unchanged.