Why is it that our "big brother government" allows only working people to have " medical savings accounts" ?

Question

Us old retirees, living on fixed incomes could certainly use some tax free money to help pay for our ever increasing costs for medications,deductibles,etc.
This is a classic case of big brother playing games with a tax system that is both rotten and obscene.

Answer 1

The purpose of the accounts is to induce people to reduce insurance coverage by giving the same tax breaks to people who self insure a large part of their medical cost (only major medical policies) as they would get if they had employer provided (tax deductible) full coverage insurance. Since the government provides retirees with medicare and drug benefits which is a lot more than the bare bones major medical, such account would not induce them to reduce insurance coverage.