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FILE- In this Aug. 5, 2010, file photo, a pharmacy tech poses for a picture with prescription medication at a pharmacy in Edmond, Okla. November is typically open enrollment time for millions who get health insurance, disability insurance and other benefits from an employer. If you’re one of them, among your important choices is whether you want a flexible spending account and how much money to deposit. You can spend FSA money only on “qualified medical expenses,” which are determined by the IRS. The money comes out of your paycheck pretax, in regular increments.(AP Photo/Sue Ogrocki, File)

FILE- In this Aug. 5, 2010, file photo, a pharmacy tech poses for a picture with prescription medication at a pharmacy in Edmond, Okla. November is typically open enrollment time for millions who get health insurance, disability insurance and other benefits from an employer. If you’re one of them, among your important choices is whether you want a flexible spending account and how much money to deposit. You can spend FSA money only on “qualified medical expenses,” which are determined by the IRS. The money comes out of your paycheck pretax, in regular increments.(AP Photo/Sue Ogrocki, File)

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