Health Savings Account Flexible Savings Account
Contribution Limits $3,500 Ind / $7,000 Fam $2,700
Ownership and control You Your Employer
Funds Rollover Forever Up to $500 annually,
if adopted by plan
Funds Invested Yes No
Earnings grow tax-free Yes No earnings
Contribution changes allowed When you want No
Withdrawals for non-medical expense Allowed at age 65, taxed as income Not allowed
Reimbursement Deadlines At any time Within 90 days of plan year-end

HSA accounts offer much greater savings potential and flexibility to meet health care expenses. Not only are the annual contribution limits higher, but you never lose your funds and can use them anytime in the future. An FSA is anything but flexible.

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