With health insurance open enrollment just around the corner, we look at the pros and cons of Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs). How do you get the most out of yours, and do you really need one? Paul W. asks Michigan Medicine Internal Medicine Specialist Dr. Jeffrey Kullgren about who these programs make the most sense for, and how you can maximize the benefit. Catch "Michigan Answers" Thursday Mornings at 6:49 a.m. on News/Talk 760 WJR.