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generic anaprox You get to keep your current excess money that is being put toward premiums. One of the overlooked benefits of high-deductible plans with health savings accounts is that many rarely use the benefits of their insurance beyond annual check-ups or other visits. If you are allowed to direct your benefits in a cafeteria plan, the money currently being spent on insurance benefits you don’t use can go into an account for you rather than going to an insurer. It may take months or a few years of saving before you cover the deductible, but that money is yours to use as you need to.