Welcome to FSA

HSA vs FSA


HSA-Health Savings Account:

  • All money contributed pre-tax
  • Available for use for IRS qualified medical expenses
  • Contribution rate can be adjusted during the year
  • Can reimburse yourself later in year
  • Savings Tool: If you don’t spend the money during the alendar year, it rolls over to the next.
  • Can be used for medical Expenses in retirement, including long term care premiums.

FSA-Flex Spending Account:

  • All money contributed pre-tax
  • Available for use for IRS qualified medical expenses
  • Contribution rate fixed and non-adjustable
  • Fully funded day 1
  • Spending Account Only: No savings function. Use it or lose it.

Athletic treatments, such as braces, bandages, etc. are OTC items that do not require a prescription for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Athletic treatments are not eligible for reimbursement with a limited care flexible spending account (LCFSA) or a dependent care flexible spending account (DCFSA).



A heated neck rest is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). A heated neck rest is not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).


Hot and cold compresses are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Hot and cold compresses are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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