Consumer Advice

There are different kinds - one kind you forfeit all the money at the end of every year, another carries over, and one is completely funded by the company (apparently).

I don't know much about them, just that they exist. The only experience I have is that one year my husband's job provided insurance had accounts for the employees. We never put money in but it paid much of our deductible that year.

Every year when the insurance selection process came up I ended up doing all the research and selection for us for the same reason your husband missed getting his information - too much overtime and not enough leisure for him to check it out. Anything having to do with HR my husband had to call since little or nothing was available online.

Good luck - insurance is a scam in my opinion.