HSA Health Insurance
What is the difference between an HSA and FSA?
An HSA (Health Savings Account) is available with an HSA-eligible HDHP and funds roll over year to year. An FSA (Flexible Spending Account) is available with any employer health plan and has a use-it-or-lose-it rule (with a $660 rollover option in 2026). HSAs are portable; FSAs are not.
Key Points
- HSA: available with HSA-eligible HDHP, funds roll over year to year
- FSA: available with any employer health plan, use-it-or-lose-it rule
- FSA 2026 rollover: up to $660
- HSA: portable — you keep it when you leave your employer
- FSA: not portable — you lose it when you leave your employer