Interactive Comparison
HSA vs FSA — Interactive Comparison
Both are pre-tax accounts for medical spending. An HSA is yours forever, grows tax-free, and requires an HSA-eligible plan. An FSA is employer-owned and typically forfeited if unused.
| Feature | HSA | FSA |
|---|---|---|
| Who owns it | You | Employer |
| Requires HDHP | Yes | No |
| Rolls over year-to-year | Yes — indefinitely | Usually no (limited carryover) |
| Invests / grows | Yes, tax-free | No |
| Portable if you change jobs | Yes | No |
| Best for | Healthy, long-horizon savers | W-2 with predictable annual spending |
Want the full deep-dive? This is the short interactive version.
Full HSA vs FSA Guide Frequently Asked Questions
Only in specific cases — usually a limited-purpose FSA (dental/vision only) alongside an HSA.
No. They roll indefinitely and can be invested. After age 65 they can be withdrawn for any purpose at ordinary income tax rates.
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