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Library · Networks & plan types · Lesson 8 of 8

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HSA vs FSA: a detailed comparison

FreeChapter 84:152 key terms

The critical differences: an HSA needs an HDHP, rolls over every year, and is yours to keep; an FSA works with most plans but is usually use-it-or-lose-it. This lesson compares them point by point so you can choose with confidence.

What you'll learn

  • Which plan each account requires (HDHP vs most plans)
  • Rollover vs use-it-or-lose-it, and portability
  • How contribution limits and ownership differ

Key takeaway: An HSA rolls over and follows you but needs an HDHP; an FSA is more widely available but you usually forfeit what you don't spend.

Networks & plan types

8 lessons

In-network vs out-of-network, how HMO, PPO, EPO, and HDHP plans decide what you'll pay, and how HSAs and FSAs help you save.

  1. 1In-network vs out-of-network3:37
  2. 2HMO plans: understanding your coverage3:56
  3. 3High Deductible Health Plans (HDHP)4:00
  4. 4PPO plans: flexibility at a higher cost3:45
  5. 5EPO plans: network-only, no referrals3:30
  6. 6FSA & HSA: an overview4:10
  7. 7HMO vs PPO: which fits you4:20
  8. 8HSA vs FSA: a detailed comparison▶ Now playing4:15
🎉 You've reached the end of this course.
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