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If the funds must be spent by the end of the year ... wtf? That would NOT be a useful plan. Only if it carries over and can build would it be reasonable. Thanks for the heads-up, V. I haven't gone through the small print of an HSA plan so wasn't aware. If it's use it or lose it, forget it. You'd put $130 more/month into savings that you would then potentially lose, plus there's the extra for possible inpatient stays.
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The greatness of a nation and its moral progress can be judged by the way its animals are treated. - Ghandi 
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