I am one of 30 million Americans mulling over how much money I want to set aside next year for my flexible spending account. I won't go into details, but I've had my fair share of prescription fiascos and hours lost haggling with my insurance company.

Still, it's empowering to spend time calculating the pre-tax money I'll need for my medical expenses. I figure, if I have to stress about health, at least I know I'm saving some money.

However, as I look at my flex plan enrollment form, I can't help but feel like health reform pulled a fast one on us. And it was sneaky. No one will be crying foul when 80 percent of Americans don't even know what qualifies for FSA reimbursement this year. So unfortunately, it's not going to make much difference next year to yank out things they might buy on a somewhat regular basis (like antacids or antihistamines). If people don't realize they could have been saving money on these in the first place, they won't feel like they're missing out.