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Practice makes near perfect at bedtime

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by Brenda Bell
Unlike most of the working world, my employer has set our benefits year to start and end with the fiscal year (July 1 to June 30), meaning that we're heading into that season where we must select, among other things, our healthcare benefits. One of my issues with the options we've had through the current benefits year has been that of handling our high-deductible plan with a token employer contribution to a Health Reimbursement Account (HRA) that automatically depletes before we...