My Rate was raised $13

$13. That's two pints of Guinness at the pig, with tip.

Or, think about it this way. $13 x 12 months = $156.

At a 30% tax bracket, $156 / 0.30 = $520. [These numbers are for illustration purposes, and not meant to give tax advice. I'll bet there's a CPA on your team.] (A Rugby CPA?)

So, if I deposit $520 into my Health Savings Account, I'll get back my rate increase.

Get it?