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 plans usually have a higher deductible than a traditional plan, but they often have a lower premium. They can also be paired with a health spending account.

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