Ais a consumer-driven health care option that allows employees to contribute pre-tax wages annually to pay for qualified medical expenses, but they will lose the balance not used at year's end.

Flexible spending accounts.

Explanation:

Flexible spending accounts:- It is consumer driven health care option that lets the employees so that they can contribute pre-tax wages yearly so that they can pay for qualified medical expenses but there is a limitation that the balance will be lost at the end of the year if it was not used in that year.

answer; refusing to share information without the client's permission

answer; (inseparability);