Lucy Lazarony is an experienced personal finance journalist and writer who got her start in 1998 writing about financial topics. She writes accessible and easy-to-understand articles about credit, ...

Let’s face it: Medical bills can be ridiculously expensive. Anyone who's ever broken an arm, had a baby, spent time in the emergency room, or stayed a few nights in the hospital knows this very well.

Got a health savings account (HSA)? You can do yourself a big favor by paying for medical expenses out-of-pocket now and delaying reimbursement. Here's how the strategy works: rather than pay for ...