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| HEALTH SAVINGS ACCOUNTS-HSAs are like Super-IRA's--ONLY BETTER! HERE'S WHY: 1.) HEALTH SAVINGS ACCOUNTS--HSAs contributions are TAX-DEDUCTIBLE! But UNLIKE the old "USE IT OR LOSE IT" FLEXIBLE SPENDING Section 125 Plans, 2.) All contributions that you or your employer make to your HEALTH SAVINGS ACCOUNTS-HSAs are YOUR HEALTHCARE $$s TO KEEP!! FOREVER!!! 3.) Use the money in your Health Savings Accounts-HSAs to pay for COBRA, health coinsurance, & long term care insurance premiums, vision, dental, and other qualified health care items with NO IRS WITHDRAWAL PENALTY!! 4.) The INTEREST on the money in your HEALTH SAVINGS ACCOUNTS-HSAs ACCRUES TAX-DEFERRED! You will only pay taxes or penalties if you withdraw your contributions to pay for non-qualified items prior to age 65. 5.) TAX FAVORED All Withdrawals from your HEALTH SAVINGS ACCOUNTS-HSAs for qualified healthcare expenses are NEVER TAXED!! because any remaining balance at retirement at age 65 can be WITHDRAWN TAX FREE!! SO WHAT's THE CATCH, YOU ASK? Find Out by clicking below: HEALTH SAVINGS ACCOUNTS-HSAs are an INCREDIBLE SAVINGS OPPORTUNITY FOR MILLIONS OF WORKING AMERICANS!! In fact, the U.S. Congress expects a million SMART AMERICAN FAMILIES will o pen up their HEALTH SAVINGS ACCOUNTS-HSAs in 2004 alone |

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