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OTCs Not Tax Free in 2011 

  If you have a tax-deferred flexible spending arrangement (FSA) or health reimbursement arrangement (HRA), you might want to stock up on over-the-counter (OTC) medications before Dec. 31. The Affordable Care Act has changed rules governing these accounts for 2011, and OTC medications such as pain relievers and sinus and allergy medicines no longer will be eligible for reimbursement unless your doctor writes a prescription for them, even if they are available off the shelf without a prescription.

  The new rules do not affect reimbursement for insulin with or without a prescription, devices such as crutches or medical supplies such as bandages. These items still will be reimbursed without a prescription. For more information about the new rules, visit,,id=227308,00.html. —Kandace Power Graves

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