The HSA, HRA and FSA – which is right for you?
Navigating the differences between Health Savings Accounts (HSAs), Health Reimbur****t Accounts (HRAs), and Flexible Spending Accounts (FSAs) can be challenging, but each offers unique tax advantages for managing healthcare costs. HSAs are individually owned and must be paired with high-deductible health plans, allowing tax-free growth and rollover of unused funds. HRAs are employer-funded and reimburse employees for qualifying medical expenses, while FSAs let employees set aside pre-tax money for healthcare expenses but may have a "use it or lose it" policy.
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