“Thanks to Obamacare, the one bright light in many people’s complicated and burdensome health-care spending plans is about to be taken away. That little bit of tax-free medical spending that some of us have enjoyed for years, the health savings plans and the pretax money they provided for over-the-counter remedies . . . cough syrup, saline solution and even toothpaste . . . now will require a doctor’s note.”