A penny saved is a penny earned, and more Americans are putting that cash away in health accounts.

Despite a lull in 2008 and 2009 and decline in 2010, Americans are again taking advantage of health savings accounts and health reimbursement arrangements. According to new research, average account balances across the nation were $1,470 in 2011 — a 9% increase from 2010 — and $1,534 in 2012 — a 4% increase from 2011.

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