Francisco and Lauren Nieves-Taranto, center, with their children, from left, Sebastien, 13, Javier, 6, Gabriel, 10, Nicolas 4-months, and Valentina, 8, in February at their home in Windermere, Fla. Nieves-Taranto covered the entire $8,000 bill from the birth of Nicolas last year with his account balance from a health savings account, or HSA.
Francisco and Lauren Nieves-Taranto, center, with their children, from left, Sebastien, 13, Javier, 6, Gabriel, 10, Nicolas 4-months, and Valentina, 8, in February at their home in Windermere, Fla. Nieves-Taranto covered the entire $8,000 bill from the birth of Nicolas last year with his account balance from a health savings account, or HSA. John Raoux AP
Francisco and Lauren Nieves-Taranto, center, with their children, from left, Sebastien, 13, Javier, 6, Gabriel, 10, Nicolas 4-months, and Valentina, 8, in February at their home in Windermere, Fla. Nieves-Taranto covered the entire $8,000 bill from the birth of Nicolas last year with his account balance from a health savings account, or HSA. John Raoux AP

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