On the other hand, you might as well spend: PrivateBuy.com does not have a mechanism to refund unused balances you have deposited.

These accounts, whose unused balances amount to a drop in the bucket of the health economy, assist people in financing uncompensated care outside of an acute episode.

Users keep any unused balance or "rollover" at the end of the year to increase future balances, or to invest for future expenses.

The sum of the unused balances from all customers effectively is treated as a liability in the balance sheet.

At the time of discharge, unused balance is returned.

Consumers find the rollover of unused balances (91 percent favorable) and the tax-free nature of the accounts (81 percent favorable) to be particularly attractive features.

Vacation cannot be forfeited once earned, and unused balances must be paid out upon termination.

However, a simpler method could eliminate all unused balances and provide all the needed benefits.

This cut had little practical effect, since the money was from an unused balance in the current fiscal year and had simply never been spent on any contracts.

There is no minimum monthly fee but any unused balance does not carry over from month to month.