[My hearts in London - Everett]

How or does this affect people who don’t have insurance?

[Harmless Teddy Bear]

You may not have insurance but have a small FSA.

This allows you to save pretax to buy glasses or you can use it if you have a medical emergency. At the end of the year because it is "use it or lose it" you can use it to buy medical supplies such as aspirin, ace bandages or what ever else over the counter items you might need in the coming year.

This takes that ability away from you.