Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Why do employer contributions count against HSA limits? 
am I comparing apples and oranges? Yes - different purposes, different laws, different regulations.  One rationale could be that HSA benefits are immediate while retirement benefits are deferred, so the benefit of employer contributions are not felt until retirement and thus do not need as stringent a limit, but that's a complete guess.