Jeshwanth Reddy Machireddy. Data-Driven Insights: Analyzing the Effects of Underutilized HRAs and HSAs on Healthcare Spending and Insurance Efficiency. Journal of Bioinformatics and Artificial Intelligence. 2021;1(1):450-469. Accessed March 14, 2025. https://jbaijournal.org/index.php/jbai/article/view/2