The "use-or-lose" rule is open for comments. That's good news for the millions of Americans who use tax-advantaged accounts to cut down expenses on health care as well as for benefits managers and administrators of tax-advantaged accounts.

What can be better than giving employees a benefit that doesnt cost anything? Plenty if that benefit is company stock.

It seemed like a good idea at the time.But a health insurance tax credit for small businesses, part of President Barack Obama's health care law that gets strong support in public opinion polls, has turned out to be a disappointment.

The move is a punative measure against a Facebook co-founder who has renounced his U.S. citizenship to avoid paying taxes when the company goes public.