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It can also be used to make investments, driving up its ",[967],{"type":129,"attrs":968},{"color":12},{"text":970,"type":22,"marks":971},"compound interest ",[972,979],{"type":31,"attrs":973},{"href":366,"uuid":367,"anchor":34,"target":35,"linktype":74,"story":974},{"name":975,"id":976,"uuid":367,"slug":977,"url":978,"full_slug":978,"_stopResolving":558},"Compound Interest Calculator",487381023,"compound-interest-calculator","discover/investing/compound-interest-calculator",{"type":129,"attrs":980},{"color":12},{"text":982,"type":22,"marks":983},"over time. ",[984],{"type":129,"attrs":985},{"color":12},{"type":18,"content":987},[988],{"text":989,"type":22,"marks":990},"There is a limit to how much can be contributed to it each year; however, this limit is higher than that of FSAs.  ",[991],{"type":129,"attrs":992},{"color":12},{"type":18,"content":994},[995,1000,1009],{"text":996,"type":22,"marks":997},"Some of the ",[998],{"type":129,"attrs":999},{"color":12},{"text":1001,"type":22,"marks":1002},"healthcare expenses that a HSA account can cover",[1003,1006,1008],{"type":31,"attrs":1004},{"href":1005,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.healthcare.gov/high-deductible-health-plan/hdhp-hsa-work-together/",{"type":129,"attrs":1007},{"color":12},{"type":829},{"text":1010,"type":22,"marks":1011}," include dental, medical, vision, and prescription medication.  ",[1012],{"type":129,"attrs":1013},{"color":12},{"type":764,"attrs":1015,"content":1016},{"level":766},[1017,1022],{"text":1018,"type":22,"marks":1019},"What is the difference between an HSA and an FSA account?",[1020],{"type":129,"attrs":1021},{"color":12},{"text":774,"type":22,"marks":1023},[1024],{"type":129,"attrs":1025},{"color":778},{"type":18,"content":1027},[1028],{"text":1029,"type":22,"marks":1030},"HSA and FSA accounts are both effective accounts for saving up and covering healthcare expenses.  ",[1031],{"type":129,"attrs":1032},{"color":12},{"type":18,"content":1034},[1035],{"text":1036,"type":22,"marks":1037},"However, there are some key differences between HSA and FSA accounts. These include: ",[1038],{"type":129,"attrs":1039},{"color":12},{"type":780,"content":1041},[1042,1057,1086],{"type":783,"content":1043},[1044],{"type":18,"content":1045},[1046,1052],{"text":1047,"type":22,"marks":1048},"Carryovers: ",[1049,1050],{"type":38},{"type":129,"attrs":1051},{"color":12},{"text":1053,"type":22,"marks":1054},"Unused HSA funds can be carried over into the next year, whereas FSA funds must be used up on a yearly basis; otherwise, they become inaccessible.  ",[1055],{"type":129,"attrs":1056},{"color":12},{"type":783,"content":1058},[1059],{"type":18,"content":1060},[1061,1067,1072,1081],{"text":1062,"type":22,"marks":1063},"Investing: ",[1064,1065],{"type":38},{"type":129,"attrs":1066},{"color":12},{"text":1068,"type":22,"marks":1069},"HSA funds can be ",[1070],{"type":129,"attrs":1071},{"color":12},{"text":1073,"type":22,"marks":1074},"used to invest",[1075,1078,1080],{"type":31,"attrs":1076},{"href":1077,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.unbiased.com/discover/investing/",{"type":129,"attrs":1079},{"color":12},{"type":829},{"text":1082,"type":22,"marks":1083},", and FSA funds cannot. This heightens the growth ceiling for HSAs.  ",[1084],{"type":129,"attrs":1085},{"color":12},{"type":783,"content":1087},[1088],{"type":18,"content":1089},[1090,1096],{"text":1091,"type":22,"marks":1092},"Tax advantages: ",[1093,1094],{"type":38},{"type":129,"attrs":1095},{"color":12},{"text":1097,"type":22,"marks":1098},"While HSA accounts are still considered tax-advantaged, FSA accounts are even more so. FSAs are also more accessible than HSAs because anyone can contribute to them so long as they are eligible and their employer has offered them the option.  ",[1099],{"type":129,"attrs":1100},{"color":12},{"type":764,"attrs":1102,"content":1103},{"level":766},[1104,1109],{"text":1105,"type":22,"marks":1106},"Can you have both an FSA and an HSA account?",[1107],{"type":129,"attrs":1108},{"color":12},{"text":774,"type":22,"marks":1110},[1111],{"type":129,"attrs":1112},{"color":778},{"type":18,"content":1114},[1115],{"text":1116,"type":22,"marks":1117},"If you have a HSA account, you cannot open a typical FSA account.  ",[1118],{"type":129,"attrs":1119},{"color":12},{"type":18,"content":1121},[1122],{"text":1123,"type":22,"marks":1124},"However, you can open an LPFSA.  ",[1125],{"type":129,"attrs":1126},{"color":12},{"type":18,"content":1128},[1129,1134,1143],{"text":1130,"type":22,"marks":1131},"An LPFSA is a ",[1132],{"type":129,"attrs":1133},{"color":12},{"text":1135,"type":22,"marks":1136},"Limited Purpose Flexible Savings Account",[1137,1140,1142],{"type":31,"attrs":1138},{"href":1139,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.investopedia.com/articles/personal-finance/012016/how-use-limited-purpose-fsa.asp",{"type":129,"attrs":1141},{"color":12},{"type":829},{"text":1144,"type":22,"marks":1145},". LPFSA accounts will cover expenses that are not covered by your health plan, such as vision care and dentistry.  ",[1146],{"type":129,"attrs":1147},{"color":12},{"type":764,"attrs":1149,"content":1150},{"level":766},[1151,1156],{"text":1152,"type":22,"marks":1153},"HSA vs FSA accounts: which is better?",[1154],{"type":129,"attrs":1155},{"color":12},{"text":774,"type":22,"marks":1157},[1158],{"type":129,"attrs":1159},{"color":778},{"type":18,"content":1161},[1162],{"text":1163,"type":22,"marks":1164},"If you qualify for both an HSA or FSA, weighing up the pros and cons of each before choosing which one to open is important.  ",[1165],{"type":129,"attrs":1166},{"color":12},{"type":18,"content":1168},[1169],{"text":1170,"type":22,"marks":1171},"Ultimately, the debate over which one is “better” is a personal one that depends on your financial circumstances and healthcare needs. However, there are some ways to determine if an HSA or FSA will be more advantageous for you.  ",[1172],{"type":129,"attrs":1173},{"color":12},{"type":18,"content":1175},[1176],{"text":1177,"type":22,"marks":1178},"For example, if you are already enrolled in an FSA plan through your employer, this flexible type of account may be in your best interest. If your contract is multiple years long, the fact that FSA funds can’t be carried over year over year won’t matter.  ",[1179],{"type":129,"attrs":1180},{"color":12},{"type":18,"content":1182},[1183],{"text":1184,"type":22,"marks":1185},"If your employee benefits package does not include an FSA, getting an HSA might be a better option. It is also a good option for people who want to save general healthcare funds over the long term.  ",[1186],{"type":129,"attrs":1187},{"color":12},{"type":18,"content":1189},[1190,1195,1204],{"text":1191,"type":22,"marks":1192},"If you need more clarity before deciding between an HSA vs FSA account, speak to a financial advisor for expert guidance and support. This will ",[1193],{"type":129,"attrs":1194},{"color":12},{"text":1196,"type":22,"marks":1197},"ensure that you get the best possible care",[1198,1201,1203],{"type":31,"attrs":1199},{"href":1200,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.unbiased.com/discover/financial-advice/do-i-need-financial-advice",{"type":129,"attrs":1202},{"color":12},{"type":829},{"text":1205,"type":22,"marks":1206}," for your money and that your needs are adequately covered.  ",[1207],{"type":129,"attrs":1208},{"color":12},{"type":764,"attrs":1210,"content":1211},{"level":766},[1212,1217],{"text":1213,"type":22,"marks":1214},"Get expert financial advice",[1215],{"type":129,"attrs":1216},{"color":12},{"text":774,"type":22,"marks":1218},[1219],{"type":129,"attrs":1220},{"color":778},{"type":18,"content":1222},[1223],{"text":1224,"type":22,"marks":1225},"Despite the differences between HSA and FSA accounts, they are both secure ways to save money for your and your family’s healthcare, especially as you approach retirement.  ",[1226],{"type":129,"attrs":1227},{"color":12},{"type":18,"content":1229},[1230],{"text":1231,"type":22,"marks":1232},"When making any big financial decision, it’s important to get expert advice. This will ensure that you get the best advice for your needs now and in the future.  ",[1233],{"type":129,"attrs":1234},{"color":12},{"type":18,"content":1236},[1237,1243],{"text":1238,"type":22,"marks":1239},"Unbiased can match you with an SEC-regulated financial advisor perfectly suited to meet your needs. Answer a few simple questions about your needs, and we’ll do the rest. ",[1240,1241],{"type":38},{"type":129,"attrs":1242},{"color":12},{"text":774,"type":22,"marks":1244},[1245],{"type":129,"attrs":1246},{"color":12},{"type":18,"content":1248},[1249,1259,1265],{"text":1250,"type":22,"marks":1251},"Find your financial advisor now.",[1252,1255,1256,1258],{"type":31,"attrs":1253},{"href":1254,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/advice-areas/?_gl=1%2aq6is0t%2a_ga%2aMjEwOTg3MTczOC4xNjk3NDQ0NjE5%2a_ga_2L93GWDPD4%2aMTcwNjU0MTg4Mi41MS4xLjE3MDY1NDE4ODQuNTguMC4w",{"type":38},{"type":129,"attrs":1257},{"color":12},{"type":829},{"text":1260,"type":22,"marks":1261},"  ",[1262,1263],{"type":38},{"type":129,"attrs":1264},{"color":12},{"text":774,"type":22,"marks":1266},[1267],{"type":129,"attrs":1268},{"color":12},"article-rich-text",[1271],{"_uid":1272,"image":1273,"title":1276,"component":1287,"breadcrumbs":558},"3c0952e3-47fa-40f2-98e2-3877df58fe84",{"alt":12,"name":12,"title":12,"filename":1274,"copyright":12,"fieldtype":1275},"https://a.storyblok.com/f/185166/3348x2232/2d2ff11b15/hsa-vs-fsa.webp","asset",{"type":15,"content":1277},[1278],{"type":18,"content":1279},[1280,1285],{"text":750,"type":22,"marks":1281},[1282],{"type":25,"attrs":1283},{"class":1284},"primary-gradient",{"text":1286,"type":22},": how do you choose the right one for you?","app-hero",{"name":1289,"created_at":1290,"published_at":1291,"updated_at":1292,"id":1293,"uuid":1294,"content":1295,"slug":1304,"full_slug":1305,"sort_by_date":34,"position":1306,"tag_list":1307,"is_startpage":543,"parent_id":1308,"meta_data":34,"group_id":1309,"first_published_at":1310,"release_id":34,"lang":730,"path":34,"alternates":1311,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1296,"_uid":1297,"name":1289,"image":1298,"component":1302,"description":1303},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1299,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1300,"copyright":12,"fieldtype":1275,"meta_data":1301,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1313],{"_uid":1314,"body":1315,"title":1331,"component":1332},"a8168fcb-beb4-4982-97b6-9c9b9acc4d47",[1316,1319,1323,1327],{"_uid":1317,"href":939,"text":1318,"component":542,"openInNewWindow":558},"ec3e9c54-1e37-47d4-b33a-5cdfc95ac206","What is an HSA",{"_uid":1320,"href":1321,"text":1322,"component":542,"openInNewWindow":558},"ec512023-3258-4641-9ac7-a9c3c743e06e","https://www.unbiased.com/discover/banking/hsa-withdrawal-rules","HSA withdrawal rules",{"_uid":1324,"href":1325,"text":1326,"component":542,"openInNewWindow":558},"5285211a-a0fa-4614-ba94-c6c9a4c33bb8","https://www.unbiased.com/discover/banking/healthcare-costs-statistics","Healthcare costs statistics",{"_uid":1328,"href":1329,"text":1330,"component":542,"openInNewWindow":558},"fecd35ff-be6c-423b-9b83-802258de3c8d","https://www.unbiased.com/discover/insurance/health-insurance-terminology-your-ultimate-health-insurance-jargon-buster","Health insurance terminology","Related articles","app-links-list",{"title":1334,"plugin":1335,"og_image":12,"og_title":12,"description":1336,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"HSA vs FSA Accounts: how do you choose the right one for you?","seo_metatags","Learn more about the differences between HSA and FSA accounts and determine which one is right for you.","app-article",[],[],"Uncover the key differences and similarities between HSA and FSA accounts and determine which one is best for you and your circumstances.  ",[],"hsa-vs-fsa","discover/banking/hsa-vs-fsa",-3540,[],365515562,"bd5865a9-c2a4-4b86-ab43-3b199b8eb9b6","2024-03-28T13:15:01.916Z",[],{"left":727,"top":727,"width":1351,"height":1351,"rotate":727,"vFlip":543,"hFlip":543,"body":1352},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1354,1357,1358],{"title":1355,"exact":558,"href":1356},"Home","https://www.unbiased.com",{"title":381,"exact":558,"to":394,"disabled":543},{"title":750,"exact":558,"to":1359,"disabled":558},"/discover/banking/hsa-vs-fsa",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1361},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540154388]