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I had an FSA a few years ago and switched it to a HSA last year. Big difference between them (at least with our plan) is that FSA funds are all available immediately, but you have to use it or you lose it. With the HSA, funds were available as they were deposited into the account. The nice thing is that funds carry over from the previous year.
i'm sure that this has been brought up in the thread or you are aware of this but just thought I'd share my experience.
Good luck!
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WE FIRED BOB SUTTON 
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