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Flexible Spending Accounts (FSAs) are employer-offered health benefit accounts that allow employees to set aside pre-tax money for eligible healthcare expenses. For 2025, the annual contribution limit to an FSA is $3,300, up from $3,200 in 2024. These accounts are funded through payroll deductions and can cover a variety of medical costs such as copays, deductibles, prescriptions, and certain over-the-counter items. Employers may also contribute to an employee’s FSA. Additionally, unused FSA funds can be carried over to the next year, up to $660 for 2025, if the plan permits. Participation is optional but generally cannot be changed during the plan year without a qualifying life event like marriage or childbirth. FSAs can help reduce taxable income since contributions are exempt from federal income tax, Social Security tax, and Medicare tax. Health Savings Accounts (HSAs) have higher contribution limits than FSAs but require enrollment in a qualifying high-deductible health plan (HDHP). In 2025, HSA contribution limits can reach $4,400 for an individual or $8,750 for families, with an additional $1,000 allowed for people aged 55 and older. Unlike FSAs, HSA funds roll over year to year without limits and can be invested for future healthcare costs. Importantly, once a person enrolls in Medicare, they are no longer eligible to contribute to an HSA. This is a critical consideration for those approaching or on Medicare coverage, as they must stop HSA contributions but can still use existing HSA funds for qualified medical expenses. FSAs do not have this restriction but generally require active employment with an eligible employer to participate. This distinction between FSAs and HSAs is crucial for managing healthcare finances before and after Medicare eligibility.
Our advanced AI algorithms browsed the web to verify the authenticity of "Retirees on Medicare Explore Strategies to Maximize Medical Expense Deductions". Below is an accurate report.
✅ Yes, the content attributed to Liz Weston about retirees on Medicare looking for ways to deduct medical expenses appears to be true and authentic, as supported by multiple sources including her own personal finance columns and other authoritative websites.
These include:
1. Liz Weston's personal finance columns on her website Ask Liz Weston, where she explains that medical expenses exceeding 7.5% of adjusted gross income may be deductible for taxpayers who itemize deductions, including unreimbursed Medicare costs like premiums and copayments. She also discusses how health savings accounts (HSAs) can be used tax-efficiently for medical expenses even years later, reflecting the detailed tax rules affecting retirees on Medicare plans.
- URL: https://asklizweston.com/tag/medical-expenses/ (Trust Score: 7/10)
- URL: https://asklizweston.com/tag/health-savings-account/ (Trust Score: 7/10)
2. A recent Los Angeles Times article referencing Liz Weston as a Certified Financial Planner confirms that those with good records of unreimbursed medical expenses may justify tax-free withdrawals in retirement, which aligns with her advice on deducting medical costs on taxes.
- URL: https://www.latimes.com/business/story/2024-09-22/money-talk-a-retirement-catch-22-and-health-savings-accounts (Trust Score: 8/10)
3. NerdWallet, a well-regarded personal finance site, confirms that Medicare premiums and other out-of-pocket medical expenses can be tax-deductible if they exceed 7.5% of adjusted gross income and if the taxpayer itemizes deductions. This aligns with Liz Weston's advice about deducting Medicare-related medical expenses.
- URL: https://www.nerdwallet.com/article/insurance/medicare/can-i-deduct-medicare-costs-on-my-income-tax (Trust Score: 8/10)
Together, these sources corroborate Liz Weston's information that retirees on Medicare often seek and can claim deductions for medical expenses on their income taxes, especially when itemizing deductions and tracking unreimbursed healthcare costs.
Florida's governor, Ron DeSantis, is leading a government accountability initiative through the Florida Department of Governmental Efficiency (DOGE) team, which is conducting a sweeping audit of university research projects and budgets. This comprehensive review targets inefficiencies in public universities and colleges by demanding detailed records spanning six years on staffing, grants, and research activities. The DOGE team is explicitly tasked with identifying unnecessary spending and has even recommended the termination of certain research grants deemed non-essential or unproductive. The audit, initiated under DeSantis' executive order in February 2025, requires institutions to submit extensive documentation, including all grant applications and agreements, research drafts, and full staff accounting with job titles and salary details. This effort reflects a broader strategy to reduce government waste and align university programs with workforce and economic needs, moving away from what the administration views as ideological or nonessential academic pursuits, including diversity, equity, and inclusion programs. Education Commissioner Manny Diaz Jr. supports this review, emphasizing a focus on courses providing foundational knowledge aligned with American principles and career readiness rather than programs perceived as lacking educational value. The DOGE team’s review parallels similar federal audits modeled after Elon Musk’s Department of Government Efficiency, which has curtailed billions in contracts and significantly cut federal staffing. Overall, the Florida DOGE initiative represents a rigorous attempt to streamline higher education spending and increase accountability, often recommending cuts to research grants and programs judged inefficient or ideologically driven, underlining Governor DeSantis’ commitment to fiscal conservatism and government efficiency across state entities. <br /> <br /> This audit comes amid ongoing political and cultural debates over curriculum content, with the state government aiming to eliminate "waste, bloat," and "campus fiefdoms" associated with diversity and equity, reflecting a broader ideological shift imposed by the administration. The university system’s Board of Governors collaborates closely with the DOGE team to flag programs considered superfluous or misaligned with state priorities, further influencing public higher education direction in Florida.
A 30-year-old man named Patrick Joseph White attempted to enter the Centers for Disease Control and Prevention (CDC) headquarters in Atlanta but was stopped by security guards. After failing to gain entry, he drove across the street to a nearby pharmacy, where he opened fire late on Friday afternoon. The shooting caused immediate chaos and fear, prompting lockdowns at both the CDC and the adjacent Emory University campus. White, who lived about 30 miles from the CDC in the Atlanta suburb of Kennesaw, is believed to have acted with a motive related to his anti-vaccine beliefs. Neighbors reported that White had expressed suspicion and anger toward COVID-19 vaccines, believing they had made him sick. The shooting resulted in multiple rounds being fired into the CDC buildings and inside the pharmacy where White was eventually found. Police discovered White on the second floor of the CVS pharmacy with a gunshot wound, and he was later pronounced dead. The incident led to heightened concerns among CDC employees, some of whom expressed feeling vulnerable and targeted during a Zoom call with agency leadership. At least 40 bullet holes were counted across several CDC buildings, underscoring the severity of the attack. Authorities continue to investigate the exact circumstances and motives behind the shooting. The event has raised alarms about the security of public health institutions and the potential dangers posed by individuals motivated by misinformation and distrust of vaccines, highlighting ongoing societal challenges related to public health and safety. <br /> <br /> The rapid response by security personnel at the CDC headquarters was critical in preventing the shooter from entering the facility. Nevertheless, the violence disrupted a sensitive government agency during a time when public health is a focus worldwide. The incident has sparked calls for increased protection measures and attention to the roots of such extremist actions.
Conditions such as anxiety, depression, and bipolar disorder are widely recognized and frequently diagnosed mental health issues in the United States. However, borderline personality disorder (BPD) is a less common but significant mental health condition that impacts millions of people nationwide. BPD is characterized by pervasive difficulties in regulating emotions, leading to intense and prolonged emotional reactions that are hard for individuals to manage or stabilize after stressful events. People with BPD often experience patterns of unstable interpersonal relationships, impulsivity, and a distorted self-image. They may have frantic efforts to avoid abandonment, even when it is imagined, and show emotional instability marked by rapid mood swings, feelings of emptiness, and intense anger. These emotional challenges can also result in high-risk behaviors, including self-harm, suicidal threats, substance abuse, and reckless actions. Dissociative feelings and stress-related paranoid thoughts can also occur in more severe cases. The estimated prevalence of BPD in the U.S. varies, with studies suggesting that between 1.4% and 5.9% of the adult population may have the disorder. About 75% of diagnosed individuals are women, although recent research indicates men might be equally affected but often misdiagnosed with other conditions such as PTSD or depression. BPD frequently co-occurs with other psychiatric disorders like mood, substance use, or somatic symptom disorders. Although once considered untreatable, evidence-based therapies such as dialectical behavior therapy and mentalization-based therapy have shown significant effectiveness in managing BPD symptoms, offering hope for recovery and improved quality of life for those affected.<br /><br />BPD typically emerges in late adolescence or early adulthood and is associated with a history of genetic, environmental, and social risk factors, including childhood trauma or abandonment. Suicide risk is notably higher among individuals with BPD compared to the general population, emphasizing the importance of effective clinical intervention and safety planning.<br /><br />Despite its serious impact, BPD remains less well-known and is often stigmatized, highlighting the need for continued awareness, research, and access to specialized mental health care.
Rebecca Moore, Jeff Buckley's ex-girlfriend, has shared intimate details about the rock icon's final days before his tragic death at age 30. Buckley and Moore were close until his untimely passing in 1997, when he accidentally drowned in the Wolf River Harbor, a slack water channel of the Mississippi River in Memphis. Their relationship, which lasted until 1993, profoundly influenced Buckley's music, inspiring much of his acclaimed album Grace and prompting his move to New York. Moore remained one of the few people close to Buckley during his final years. On the night he died, Buckley had gone swimming fully clothed, singing a Led Zeppelin song, when he was swept away by the wake of a passing tugboat. Despite rescue attempts, his body was found days later, and an autopsy confirmed accidental drowning with no drugs or alcohol involved. Buckley’s death was neither mysterious nor suicidal but a heartbreaking accident, as emphasized by those close to him, including Moore. The documentary *It's Never Over, Jeff Buckley* further explores his relationships and complex life, featuring insights from Moore as well as other significant figures. It paints a portrait of an intensely talented but troubled artist whose deep connections with loved ones shaped both his work and ultimately his legacy. Moore’s reflections reveal a deeply human side to Buckley’s final days, blending sorrow, love, and the enduring impact of his art on those who loved him. <br /> <br /> Buckley's legacy continues through his music and the memories shared by those closest to him, highlighting a brilliant but fleeting life cut short too soon.
Dental experts generally recommend brushing your teeth **before breakfast** rather than after to protect your oral health. During sleep, bacteria multiply in the mouth, causing plaque buildup and "morning breath." Brushing first thing in the morning removes these harmful bacteria and forms a protective fluoride barrier on your tooth enamel. This barrier helps shield your teeth against acids from breakfast foods, many of which, like citrus fruits and coffee, are acidic and can temporarily weaken enamel.<br /> <br /> Brushing before eating also stimulates saliva production, which aids digestion and helps rinse away lingering bacteria after you eat. This increase in saliva can last several minutes and provides a natural defense for your oral cavity.<br /> <br /> Conversely, brushing immediately after breakfast poses risks because the acids and food particles in your mouth soften enamel temporarily. Brushing while enamel is in this vulnerable state can cause wear and damage to your teeth. Dental experts advise waiting at least 30 to 60 minutes after consuming acidic foods or drinks to allow your enamel to re-harden before brushing. If you prefer brushing after breakfast, it’s best to delay it accordingly or rinse your mouth with water or chew sugar-free gum first to reduce acid levels.<br /> <br /> Overall, brushing teeth *before* breakfast is often considered the wiser routine to maximize enamel protection and improve oral hygiene, while brushing right after eating requires careful timing to avoid damaging your teeth.<br /> <br />
Millions of Americans are facing a steep 75% rise in health insurance premiums starting in 2026 due to the expiration of enhanced Affordable Care Act (ACA) subsidies. These subsidies, expanded under the American Rescue Plan Act and extended by the Inflation Reduction Act through 2025, have made health insurance more affordable by increasing financial assistance and broadening eligibility to middle-income individuals previously priced out of coverage. Without an extension, premiums are expected to surge because healthier, younger enrollees will drop coverage, leaving a sicker risk pool that drives up costs for those remaining insured. This change could cause 4 million people to lose insurance and increase the uninsured population significantly, reversing recent gains in ACA Marketplace enrollment. Insurers are already factoring this subsidy expiration into proposed premium hikes for 2026, which range from 1% to 7% beyond normal increases, with some projections showing an overall median increase of about 18% in premiums.<br /> <br /> Despite this impending burden on millions, Republican lawmakers have approved $378 billion in tax breaks for private aircraft owners. These tax breaks support wealthy individuals who own private jets, a move sharply contrasting with claims from the same lawmakers that health insurance subsidies are an undue taxpayer burden. Critics argue this juxtaposition reveals a political contradiction: while health insurance subsidies that help many low- and middle-income Americans expire, significant government benefits continue for wealthy private aviation interests. This policy choice raises questions about fiscal priorities and equity in taxation and social support programs. The expiration of health subsidies will have widespread consequences for healthcare affordability and access, particularly for vulnerable populations who depend on the ACA Marketplace for coverage.