How the FSA, HSA, and HRA compare

What you need to know

Depending on which medical plan you enroll in, you can contribute to a Health Care Flexible Spending Account (FSA) or Health Savings Account (HSA) and/or receive a Health Reimbursement Account (HRA). Each type of account helps you pay for eligible medical, dental, vision, prescription drug, and some over-the-counter expenses.

Which medical plan pairs with each type of account?

Who administers it?

Who can contribute, and what is the 2023 contribution limit?

What can I use it for?

Do I pay taxes on my contributions?

Do I have to use the funds each year?

Things to know

  • For those enrolled in the Meritain Copay Plan (Grades 15–19): Since you’re eligible for the HRA, you can only have a Limited Purpose FSA and can only use your FSA to pay for eligible dental and vision expenses, until you reach your medical deductible for the year. If you have reached your medical deductible, you can contact Your Benefits Resources (YBR) (@Work) | (Log In) and submit the required documentation to allow you to be reimbursed for eligible medical claims, as well as eligible dental and vision claims.
  • For those enrolled in the CDHP: Since you’re eligible for the HSA, you can only have a Limited Purpose FSA and can only use your FSA to pay for eligible dental and vision expenses.

Need more information?

Provider contact information