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b'We\\u2019re nearing open enrollment. If your employer offers the option of a lower payroll deduction for a high deductible health plan or higher pay deduction for a lower deductible plan \\u2013 It\\u2019s usually best to pay the higher premium, especially if you have health issues. Due to backlash, more employers will offer the option to pay more for a lower out-of-pocket. High deductible plans can be HSA eligible \\u2013 a tax-advantaged account for medical expenses. Many employees don\\u2019t fund their HSA \\u2013 which allow medical payments with pre-taxed dollars. Then they\\u2019re hit with bills they must pay with after-tax dollars. Fund an HSA \\u2013 it amounts to a 20 to 37% discount on medical bills \\u2013 depending on your tax rate. It\\u2019s important to have disability insurance. You have a 3 times greater chance of becoming disabled than dying during your core working years. Social Security disability is an arduous, lengthy process and is often denied. Take what your employer provides for free and beyond that, buy your own policy.\\xa0\\nAirline junk fees amount to $35B per year \\u2013 this is true will all airline except Southwest. American, United and Delta advertise low fares, and the sell you up to fares way higher with all kinds of fees. United alone charges a huge fee for carry on now, taking that cue from the hard discounters. Before you buy, know what all the fees are and what you can handle.\\nClark and Deals Producer Charis talk about a recent Clarkdeals.com survey and the best deals around the web today\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'