An argument for changing the amount month-to-month…

If you're particularly good with estimating and budgeting, and you have a HSA that allows for varied month-to-month contributions, it might be best for you to determine what your healthcare expenses will be, and contribute that amount each month.

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For example…

If you know summer is when your family has all their checkups and orthodontic work, make a few calls to determine pricing of these visits and contribute appropriately.