This isn't tech-worthy, but maybe you can get some benefit out of my experience. November is benefits enrollment time again at most corporate jobs. This is when you choose which health plan you want for the next year, and they let you know how much the premiums went up this year. :) Most companies are now offering Health Reimbursement Accounts (HRA's) or Health Savings Accounts (HSA's). I have had HRA's in the past, so this is my experience. An HRA is a "consumer driven" health care plan, which is...