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Anyway, I don't understand why it's a "use it or lose it" situation. I mean, the program is supposed to help you improve your situation, right?

I agree with your frustration, doesn't make a whole lot of sense. Let me add my own gripe: you can't increase your contribution. I found out recently that I have a chronic disease which requires a lot of medical care. My health care spending has dramatically increased since last year; there's not way I could have predicted this.

$1000 is a lot of money, but you still have a few months left. Maybe stock up on OTC medications? I think you can also use it for vitamins or other health related items. One more suggestion: acupuncture. Some people find it relaxing.
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