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Health Spending Accounts

Would you like to have more control over where your health care dollars go? Then high-deductible, or consumer-directed, health care plans might be for you. These kinds of plans usually have a higher deductible than a traditional plan, but they often have a lower premium. They can be paired with a health spending account, which allow you to have more control of where your health care dollars go.

Health spending accounts come in three forms:

  • Health savings account, or HSA
  • Health reimbursement arrangement, or HRA
  • Flexible spending account, or FSA

Each of these accounts works differently and comes with its own advantages.

Select a topic below to learn more.

Frequently asked questions

Health savings accounts

Health reimbursement arrangements and flexible spending accounts


Calculators and tools

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