Want a Roth IRA on steriods? Check your health plan.

Tired of shelling out thousands of dollars each year for your federal health plan? Confused, irritated or both by the multiple-choices available under the Federal Employee Health Benefits (FEHB) Program? Why not consider picking a health plan that pays you? Thousands of federal and postal workers have done it. Joined a high deductible health plan that has allowed them to amass accounts — their very own money — worth $10,000 to $50,000.

Welcome to the federal benefits open season, which runs through Dec. 13.

Other things to think about include how to save on taxes when paying your medical bills, and a half dozen items you probably hadn’t thought of but should consider. Which is why today’s Your Turn episode with Walt Francis is a must-listen. It could be the most productive 40 minutes of your year. For you and your family.