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Health Savings AccountHSA FSA

Flexible Spending Account

Do funds roll over from year to year with no caps

or limitations?

Do funds stay with you when you transfer jobs

or retire?

HSA funds roll over from year to year with no

use-it-or-lose-it limits

FSA funds have use-it-or-lose-it restrictions

and rollover limitations

VERSUS

HSA funds stay with you regardless of your job or

retirement status

FSA funds do not come with you when you

change jobs or retire

Can funds earn interest and be invested for the

future?

HSAs can be used as an investment vehicle to

build wealth

Because they don’t have a shelf life, HSA funds can be invested over time to create a medical nest egg to cover retirement healthcare costs.

FSA funds have an annual expiration date, but HSAs’ benefits grow with you over time.

FSA funds cannot be invested

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