Jo Anne said the following on 8/12/2009 9:04 PM:
> Also, when we had a H.S.A., it expired after a
> year.  We had to use everything in the account within the year or it was
> gone.  You have to look deep into your crystal ball to decide exactly how
> much heath savings you need each year.

Jo Anne, did you have an HSA or a health care flexible spending account?
 Flexible spending accounts have a pre-selected amount of pre-tax
dollars set aside that you can then spend on non-covered medical
expenses.  Those funds "expires" at the end of the calendar year.  I
thought all HSA accounts allowed you to accrue money over time.

Flexible spending accounts do need a fair bit of crystal ball gazing.  I
lost about 500 bucks last year because I overestimated my needs.

--[Lance]


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