Getting started

So basically,  WE have to pay MORE money to claim expenses we made last year? This company cannot put a medical expense optimizer for their consumers in the free package because you just want to suck people out of more money under the guise of being more "helpful"? How is it fair to the consumer that you've effectively put a paywall infront of individuals who had critical medical expenses that could use that money to live for an extra $20? Is this company THAT money hungry that they wish to grift their consumers?