Health Care FSA, HSA and HRA are accounts used to save on taxes and pay for qualified medical, prescription, dental and vision expenses.

If you buy your own insurance, you don’t need to worry about comparing all these accounts. That’s because you’re only eligible for an HSA. But employers can offer any of these accounts, and sometimes more than one at the same time. So you may be wondering why you’d choose one over the other. We’ll show you how they compare as the table below.

If you need more information about these accounts, you can read the articles that explain each kind below.

And Publication 969 from the IRS is also a good resource.

If you have any questions, please feel free to reach out to our Member Experience Team via live-chat, email to, or call us at 844-902-2902.

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