Flex Saving Accounts and Health Savings Accounts fall short of making a difference. Revising and Combining them makes cents. Make it so Flex Savings Accounts and Health Savings Accounts become true savings account that money not used is retained in a savings account and can grow with a limit of $5,000.00 a year per family member with no total limit. Remove any high deductible requirements. Funds not used for Health Care, can be used for Elderly-care and/ or an Individual Retirement Account.
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