It’s December 15th, and Michael is staring at his Flexible Spending Account (FSA) dashboard with a sinking feeling. Balance remaining: $2,847 Days until forfeiture: 16 He has a demanding job as a software architect in Austin, two kids, and a mortgage. He hasn’t had time to think about his FSA all year. Now, with less…

It’s 9 PM on a Tuesday. The kids are finally asleep. Sarah sits at the kitchen table, staring at a stack of medical bills that looks like a small novel. Her husband Mark had emergency gallbladder surgery three weeks ago—a routine procedure covered by their insurance, or so they thought. The first bill arrived: $2,847….