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I have an "FSA", flexible spending account. They take a monthly payment out of my paycheck before taxes (I think this is because your deductibles and medical expenses are tax deductable).
I can use it all right at the first of the year and I have to use it by 15 months of the first of the year.
Not sure if this is what you are talking about. You might want to look around for a good government job. Usually their benefits don't consider pre-existing conditions. Sorry if this isn't relevant to what you were wondering. hang in there