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 1, no. 1 (January 31, 2021): 450–469. Accessed March 14, 2025. https://jbaijournal.org/index.php/jbai/article/view/2.