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Hopefully the Repubs could create real medical savings accounts, so we can start saving now tax deferred, without having to flush the account once a year.

They did. It's buried in the Medicare drug-coverage bill, and has some limitations (basically you have to have real medical insurance rather than the blanket pay-everything coverage that passes for "medical insurance" in most of the world, more comparable to the form of car insurance that covers oil changes and windshield-wiper blades - so if you have employer-provided medical insurance, you probably aren't eligible) but it's there.
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