Workers with balances left in their HRAs can't roll them into HSAs, a restriction that employers are lobbying to change.

FORBES: More Choices, More Confusion

The terms of these accounts are established by Congress (not the employer), and HSAs, unlike HRAs, are available to self-employed folks, too.

FORBES: Tax Breaks For Medical Expenses Under ObamaCare

So, under the proposed law, for 2013 and beyond, the prohibition on using tax-free funds from FSAs, HRAs, HSAs, and Archer MSAs to purchase OTC medicine would be lifted.

FORBES: Why A Vote on the Medical Device Excise Tax Is The Biggest Deal Ever for Obamacare

In an interview, Beatty said that the doctors want Congress to go back to the old law, which allows patients to buy OTC meds with their FSA, HSAs and HRAs without the intervention of doctors.

FORBES: Doctors Say Obamacare FSA Rules Could Drive Up Costs

The health care law changed the way that OTC medications had been treated under those plans: currently, OTC medications are no longer qualified medical expenses for most flexible spending arrangements (FSAs), health reimbursement arrangements (HRAs), health savings accounts (HSAs), and Archer medical savings accounts (Archer MSAs) unless a doctor writes a prescription for the medications.

FORBES: Why A Vote on the Medical Device Excise Tax Is The Biggest Deal Ever for Obamacare