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You say:
"I am not sure how you can use these funds for investing or retirement; if you don't use them by the
end of the year in which you had them deducted, you lose them. Where is the long term good in
money that can only be used for Medical/Dental expenses and is lost at the end of the year?"

Where did you see this? Are you sure about this? I don't think you lose the unused funds each year. Please clarify.

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