After the holiday rush, and heading into the new year, there are a few guarantees:

1. Resolutions will be broken

2. The first work week back will be hectic

3. Money will be tight after all the holiday spending

Unfortunately, with the New Year comes many people’s deductible phase with their healthcare insurance. This means even more out-of-pocket expense, following the spending frenzy of December. With healthcare costs rising and copays for pharmaceuticals increasing every…