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HSAs, FSAs and HRAs

AT A GLANCE
Let’s simplify pretax accounts

Now you can take the mystery out of pretax accounts. Check out the chart to see the details and differences for each account. They all have one thing in common — you can use the money for yourself, your spouse and your eligible dependents.

	HSAs (Health Savings Accounts) No data available	FSAs (Flexible Spending Accounts) No data available	HRAs (Health Reimbursement Arrangements) No data available
I must be enrolled in a high-deductible health plan (HDHP)	Yes No data available	— No data available	— No data available
My employer can contribute	Yes No data available	Yes No data available	Yes No data available
I can contribute	Yes No data available	Yes No data available	— No data available
My employer owns the account	— No data available	Yes No data available	Yes No data available
I own the account	Yes No data available	— No data available	— No data available
I can take it with me when I leave my employer	Yes No data available	— No data available	— No data available
I earn interest or can invest my money	Yes No data available	— No data available	— No data available
I need to submit documentation to PayFlex to verify my expenses are eligible	— No data available	Yes No data available	Yes No data available

HSAs (Health Savings Accounts) No data available
I must be enrolled in a high-deductible health plan (HDHP)	Yes No data available
My employer can contribute	Yes No data available
I can contribute	Yes No data available
My employer owns the account	— No data available
I own the account	Yes No data available
I can take it with me when I leave my employer	Yes No data available
I earn interest or can invest my money	Yes No data available
I need to submit documentation to PayFlex to verify my expenses are eligible	— No data available

FSAs (Flexible Spending Accounts) No data available
I must be enrolled in a high-deductible health plan (HDHP)	— No data available
My employer can contribute	Yes No data available
I can contribute	Yes No data available
My employer owns the account	Yes No data available
I own the account	— No data available
I can take it with me when I leave my employer	— No data available
I earn interest or can invest my money	— No data available
I need to submit documentation to PayFlex to verify my expenses are eligible	Yes No data available

HRAs (Health Reimbursement Arrangements) No data available
I must be enrolled in a high-deductible health plan (HDHP)	— No data available
My employer can contribute	Yes No data available
I can contribute	— No data available
My employer owns the account	Yes No data available
I own the account	— No data available
I can take it with me when I leave my employer	— No data available
I earn interest or can invest my money	— No data available
I need to submit documentation to PayFlex to verify my expenses are eligible	Yes No data available