Benjamin Tantalo

HSA vs FSA vs HRA  When it comes to saving for health care expenses, there are many options available for individuals. So, what differentiates HSAs? Unlike Flexible Spending Accounts (FSAs) and most Health Reimbursement Arrangements (HRAs), an HSA is owned by the individual, not the employer, which means the account remains with the participant even if employment changes or ends. Furthermore, HSAs maintain unused funds to the next year, unlike an FSA which typically carries a “use it or lose it” clause (although FSAs can have grace periods and other plan specific rules, such as limited rollovers). One less positive distinction is that HSA contributions are only allowed by those on eligible