Using a health account saves you money because you can pay your healthcare bills with tax-free dollars! There are different accounts for different situations and needs. Each type of account has its own eligibility requirements and rules.
HSA
HRA
Health Care FSA
Limited Purpose FSA
Medical Plan Enrollment
HDHP HSA 2500; you may not have other non-HDHP coverage
HDHP HRA 4000
Non-HSA-eligible medical plans
HSA-eligible medical plans
Eligible Expenses
Medical, dental, vision, prescription, and over-the-counter expenses
Medical, prescription, and
over-the-counter expenses
Medical, dental, vision, prescription, and over-the-counter expenses
Dental and vision care expenses
Practice Funding
Up to $750 for individual and up to $1,500 for dependent coverage tiers
$1,000
$0
$0
Annual Contribution Limit
$4,300 individual or $8,550 dependent coverage tiers, including practice funds; extra $1,000 allowed after age 55
N/A, teammates cannot contribute to this account
Minimum of $240 up to a maximum of $3,300
Minimum of $240 up to a maximum of $3,300
Federal and State Tax
No federal tax; CA and NJ do not exclude HSA contributions from income
None
None
None
Funds are Available
After deposit
After deposit
Day 1 of plan year
Day 1 of plan year
Account Balance Earns Interest
Yes, plus investment options after $2,000
No
No
No
Allows Rollover to Next Year
Yes, unlimited
No, unused funds will be forfeited
You may carryover $660* each year; additional unused funds are forfeited
You may carryover $660* each year; additional unused funds are forfeited
Deadline for Reimbursement
N/A; unused funds remain in your account for future expenses
Eligible expenses must be incurred by Dec 31, 2025. Claims must be submitted by March 31, 2026
Eligible expenses must be incurred by Dec 31, 2025. Claims must be submitted by March 31, 2026
Eligible expenses must be incurred by Dec 31, 2025. Claims must be submitted by March 31, 2026
If You Leave the Practice
Your account goes with you for future eligible expenses,
tax-free
You can spend your balance if you elect COBRA for the HDHP HRA 4000
You can spend your balance if you elect COBRA
You can spend your balance if you elect COBRA
*Any amount less than $50 will not carryover unless an active election is made for the new plan year.
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