FSA vs HSA in the US: which one to choose?

Compare Flexible Spending Account and Health Savings Account. USA health tax savings guide 2026.

FSA allows pre-tax expenses but is usually use-it-or-lose-it at the end of the year.

HSA requires a high-deductible plan but the balance accumulates and can be invested.

If you have HDHP and can save long term, HSA usually wins; FSA for foreseeable expenses for the year.