{"id":20606,"date":"2022-09-15T12:00:00","date_gmt":"2022-09-15T17:00:00","guid":{"rendered":"https:\/\/resource-center.hrblock.com\/"},"modified":"2025-06-26T13:13:20","modified_gmt":"2025-06-26T18:13:20","slug":"health-savings-flexible-spending-accounts","status":"publish","type":"post","link":"https:\/\/hrbcomlnp.hrblock.com\/tax-center\/healthcare\/health-savings-flexible-spending-accounts\/","title":{"rendered":"Health Savings Account &#038; Flexible Spending Account"},"content":{"rendered":"\n<p>Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are effective ways to help ease the burden of certain expenses.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"160\" src=\"https:\/\/www.hrblock.com\/tax-center\/wp-content\/uploads\/2017\/06\/FSA-vs.-HSA.jpg\" alt=\"FSA vs. HSA\" class=\"wp-image-60948\"\/><\/figure><\/div>\n\n\n<p>Because these accounts are often offered during benefits enrollment, it can be easy to mix up what each is used for and how they can affect your taxes. Read on as we define the terms, as well as uncover the tax advantages and differences between HSAs and FSAs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-an-hsa-account\"><strong>What is an HSA account?<\/strong><\/h2>\n\n\n\n<p>If you\u2019re wondering, \u201cWhat is an HSA account?\u201d or \u201cHow does an HSA work?\u201d let us explain. An HSA account or HSA plan is a savings account used to pay out-of-pocket medical expenses not covered by insurance. Out-of-pocket medical expenses examples are doctor visits, prescriptions, over-the-counter medicine, lab tests, and hospital stays.<\/p>\n\n\n\n<p>You shouldn\u2019t use HSA funds for some other purpose beyond health care expenses. If you do, the distribution is taxed at ordinary rates with a 20% penalty by the Internal Revenue Service. There\u2019s an exception if you become disabled, reach the age of 65 or die.<\/p>\n\n\n\n<p>Contributions to your HSA are either of these:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tax-deductible \u2014 Ex: deductible IRA contributions<\/li>\n\n\n\n<li>Made pre-tax \u2014 Ex: 401(k) contributions offered through an employer\u2019s benefit plan<\/li>\n<\/ul>\n\n\n\n<p>Earnings in the HSA aren\u2019t taxed. Distributions you use to pay for qualified medical expenses are tax-free.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-an-hsa-distribution\">What is an HSA distribution?<\/h2>\n\n\n\n<p>As we mentioned above, you can use an HSA to pay eligible medical expenses and decrease your taxable income. The funds in these accounts belong to you, unlike medical insurance premiums, which belong to your health insurance provider. So, when you draw the HSA money, it is called a &#8220;distribution&#8221; instead of a &#8220;benefit.&#8221;<\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-single-override-cta\" class=\"wp-block-create-block-hrb-single-override-cta\" style=\"background-color:#005d1f\"><div class=\"hrb-single-override-cta--image\" style=\"background-image:url(&quot;https:\/\/www.hrblock.com\/tax-center\/wp-content\/themes\/hrb_tic\/img\/on-laptop-at-desk-graphic.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-single-override-cta--copy #ffffff\"><h3 class=\"main-heading\">File with H&amp;R Block to get your max refund<\/h3><div class=\"quick-links-list\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.hrblock.com\/online-tax-filing\/\">File online<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.hrblock.com\/tax-offices\/?app_method=GENERAL_TAX_PREP_METHOD\">File with a tax pro<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hsa-benefits\">HSA benefits<\/h2>\n\n\n\n<p>However, your medical expenses might be low, and you can contribute consistently to an HSA. If so, consider these HSA advantages:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HSA funds aren\u2019t \u201cuse it or lose it,\u201d like flexible spending accounts (FSAs). You can keep the funds in the account as long as you want and use them only when you need to<\/li>\n\n\n\n<li>There\u2019s no waiting period before you can begin taking tax-free distributions, unlike <a href=\"https:\/\/www.hrblock.com\/tax-center\/income\/retirement-income\/reporting-roth-ira-contributions\/\">Roth IRAs<\/a><\/li>\n\n\n\n<li>You might be eligible for a one-time rollover of IRA or unused FSA funds to help fund your HSA<\/li>\n\n\n\n<li>High deductible health plan (HDHP) premiums are often considerably lower than other common plans. This means you might have additional funds to handle the HDHP deductible and fund the HSA.<\/li>\n\n\n\n<li>Employers might fund some or all of the HSA for you. Employer contributions are tax-exempt<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-qualify-for-an-hsa-account-eligibility\">How to qualify for an HSA account eligibility<\/h2>\n\n\n\n<p>To qualify for making HSA contributions, you must have an HDHP. The HDHP:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Must have a high deductible \u2014 For 2025, the minimum deductibles are:\n<ul class=\"wp-block-list\">\n<li>$1,650 for self-only HDHP coverage<\/li>\n\n\n\n<li>$3,300 for family coverage<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>The plan generally doesn\u2019t pay medical benefits until the deductible is satisfied. A medical plan that pays for certain items without regard to the deductible isn\u2019t a qualifying HDHP. Items might include prescription drugs or office visits.<\/p>\n\n\n\n<p>However, exceptions exist for certain preventative or wellness benefits, like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Basic health check-ups<\/li>\n\n\n\n<li>Maintenance drugs<\/li>\n\n\n\n<li>Cancer screenings<\/li>\n<\/ul>\n\n\n\n<p>An HDHP must have a maximum annual out-of-pocket expense that you can incur \u2014 For 2025, the maximum out-of-pocket healthcare expenses are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$8,300 for self-only coverage<\/li>\n\n\n\n<li>$16,600 for family coverage<\/li>\n<\/ul>\n\n\n\n<p>Other HSA eligibility requirements include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can\u2019t be a dependent on another person\u2019s return.<\/li>\n\n\n\n<li>You can\u2019t have any other type of health insurance coverage.<\/li>\n\n\n\n<li>You can\u2019t be enrolled in Medicare.<\/li>\n\n\n\n<li>Certain coverage is allowed, including insurance for:\n<ul class=\"wp-block-list\">\n<li>Dental<\/li>\n\n\n\n<li>Vision<\/li>\n\n\n\n<li>Long-term care<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>There\u2019s no earned income requirement.<\/p>\n\n\n\n<p>The HSA-HDHP combination isn\u2019t for everybody. It has a high deductible, and you might not have enough to fund an HSA.<\/p>\n\n\n\n<p>The maximum annual HSA contribution for 2025 is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$4,300 for self-only coverage<\/li>\n\n\n\n<li>$8,550 for family coverage<\/li>\n<\/ul>\n\n\n\n<p>Individuals age 55 and older may make an additional $1,000 catch-up contribution each year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-health-flexible-spending-account-fsa\"><strong>What is a Health Flexible Spending Account (FSA)? <\/strong><\/h2>\n\n\n\n<p>A health FSA is an employer-established benefit plan. Your employer can offer them with other benefits as part of a cafeteria plan.<\/p>\n\n\n\n<p>A health FSA allows you to be reimbursed for qualified medical expenses, including co-pays, eyeglasses, prescriptions, insulin, and other medical expenses not covered under your health insurance program.<\/p>\n\n\n\n<p>Usually, you fund your FSA through your salary. Some FSA accounts come with a debit card, which looks like a credit card. Other FSA accounts make you pay right away for a qualified expense, then you\u2019re reimbursed later.<\/p>\n\n\n\n<p>FSA benefits include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can exclude contributions made by your employer from your gross income.<\/li>\n\n\n\n<li>Employment or federal income taxes aren\u2019t deducted from the contributions.<\/li>\n\n\n\n<li>Withdrawals might be tax-free if you pay qualified medical expenses.<\/li>\n\n\n\n<li>You can withdraw funds from the account to pay qualified medical expenses; You can do this even if you haven\u2019t yet placed the funds in the account.<\/li>\n<\/ul>\n\n\n\n<p>To contribute to your FSA, you should designate how much you want to contribute at the beginning of the plan year and have your employer deduct amounts, usually every payday. This will be done according to your annual designation.<\/p>\n\n\n\n<p>You can change the amount you designate at the beginning of the plan year only if a specified event occurs, like a marriage, divorce, birth, or death of child, change in employment status, or loss of coverage under other insurance.<\/p>\n\n\n\n<p>You aren\u2019t taxed on the amounts you or your employer contributes to the FSA. However, you must include in your income any contributions your employer makes for your long-term medical care insurance.<\/p>\n\n\n\n<p>You usually forfeit money you contribute that you don\u2019t spend by the end of the plan year. So, the money is use-it-or-lose-it. However, some plans give you an additional two and a half months to use the money. Base your contribution on a sound estimate of the expenses you expect to have during the year. Due to the tax savings, an FSA might be to your advantage. This could still be true even if you\u2019ll have to forfeit a small amount of money.<\/p>\n\n\n\n<p>Generally, health FSAs require you to submit documentation to support the expense.<\/p>\n\n\n\n<p>You should also retain documentation that the expense hasn\u2019t been paid or reimbursed under any other health-plan coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-dependent-care-fsas\"><strong>What are dependent-care FSAs?<\/strong><\/h2>\n\n\n\n<p>You can establish an FSA to pay for dependent care, like childcare. The amount you can set aside for dependent-care FSAs usually is limited to $5,000 a year (or $2,500 for Married Filing Separately.<\/p>\n\n\n\n<p>You\u2019ll receive a tax advantage with a health FSA. However, dependent-care FSAs are a trade-off between pre-tax deductions and tax credits\u2014like the<a href=\"https:\/\/www.hrblock.com\/tax-center\/filing\/credits\/child-and-dependent-care-credit\/\"> child and dependent care credit<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hsa-vs-fsa-tax-advantages\">HSA vs FSA: Tax advantages<\/h2>\n\n\n\n<p>While both account types have their purpose, you can get tax advantages with either type of account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Health savings accounts (HSAs) \u2014 Contributions are either:\n<ul class=\"wp-block-list\">\n<li>Tax-deductible \u2014 You can deduct these contributions even if you don\u2019t itemize.<\/li>\n\n\n\n<li>Made with pre-tax dollars<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Flexible spending arrangements (FSAs) \u2014 Employment and <a href=\"https:\/\/www.hrblock.com\/tax-center\/income\/other-income\/income-tax\/\">federal income taxes<\/a> aren\u2019t deducted from your contributions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fsa-vs-hsa\">FSA vs. HSA?<\/h2>\n\n\n\n<p>Thanks for following along as we\u2019ve shared many aspects of FSA\/HSA accounts. The information above should allow you to compare health flexible spending accounts vs. health savings accounts so you can understand how each works.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-more-tax-guidance-on-the-tax-benefits-of-fsa-hsa\">More tax guidance on the tax benefits of FSA\/HSA<\/h2>\n\n\n\n<p>For further guidance in navigating your taxes and how a health savings account vs flexible spending account should be reported on your taxes, learn about the <a href=\"https:\/\/www.hrblock.com\/filing-options-and-products.html\">ways to file<\/a> with H&amp;R Block. From hands-on guidance to a do-it-yourself digital approach, we have your back.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are effective ways to help ease the burden of certain expenses.&nbsp; Because these accounts are often offered during benefits enrollment, it can be easy to mix up what each is used for and how they can affect your taxes. Read on as we define the terms, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":60948,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[38,125,23342,23344],"tags":[],"class_list":["post-20606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-healthcare","category-filing","category-life-stages","category-family"],"acf":[],"yoast_head":"<title>FSA vs HSA Account | What Is An HSA? | H&amp;R Block<\/title>\n<meta name=\"description\" content=\"Learn the difference between HSA and FSA and how an HSA works, from H&amp;R Block. 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