Foreigner - That I am

Foreigner that I am.
I was working on a project- completed development and about to send it for testing.
Just to give you a hint of how disconnected technical can be from functionality here is a small boring story.
I started to read the specs and came across the term Flexible Savings Account.
Very American…
I went to google and it said something about FSA works like HAS
Very American again
Another google window…what is HSA_
Comes across term HMO
Now whats that…….
Another google window….
What is HMO…. why is health care so alien to me?