HSA vs FSA
Health — Honest comparison to help you decide
HSA
- ✓ Triple tax advantage (deduction + growth + withdrawal)
- ✓ Rolls over forever (no use-it-or-lose-it)
- ✓ Portable (stays with you if you change jobs)
- ✓ Investment growth potential
- ✓ Best retirement account nobody talks about
VS
FSA
- ✓ Available with any health plan
- ✓ Higher employer contribution limits
- ✓ Day-one full balance available
- ✓ Lower deductible health plans eligible
- ✓ Dependent care FSA option
The Verdict
If eligible for HSA: always choose it — the triple tax advantage is unmatched. FSA only if your employer does not offer an HSA-eligible plan.