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Dave Ramsey Video

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why should i use a health savings account (hsa)?

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Why Should I Use a Health Savings Account (HSA)?

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Please watch: "TOP 10 - Dave Ramsey Rants" https://www.youtube.com/watch?v=yrBbWZuALgQ -~-~~-~~~-~~-~- Why Should I Use a Health Savings Account (HSA)? Sign up for EveryDollar and start telling your money where to go. It's a FREE budgeting app! http://www.daveramsey.com/everydollar?ectid=70.11.6224 Check out The Rachel Cruze YouTube Channel for life and money tips!

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Video from PayFlex - we use American Fidelity instead.

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When it comes to setting aside pre-tax money to pay for out-of-pocket health care expenses, you have a choice. A Flexible Spending Account (FSA) or a Health Savings Account (HSA). Do you want to spend during the plan year or save for the future? Make the choice that's right for you.

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Clark Howard Article

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Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are increasingly popular due to the changes in healthcare over the last several years.

Both accounts allow participants to use tax-free dollars to spend on healthcare need, but there are some differences between an HSA and an FSA. Most notably, HSA funds roll over and accumulate year after year if they are not spent, and they are owned by the individual. (Another choice, Health Reimbursement Arrangements, are owned by employers.)

HSAs are really awesome for some people - you can use them to pay for qualified medical expenses at any time without paying taxes or penalties! However, if you see a doctor frequently, HSAs are probably not the best choice for you - since high-deductible health plans are typically required to be eligible for an HSA.
Read more: How HSAs work
What's the difference between an HSA and an FSA?

There are pros and cons to HSAs and FSAs. Here's a look at the differences between the two options.

Health savings account (HSA)Flexible spending account (FSA)

Eligibility requirements

Eligibility requirements include having a high-deductible health plan (HDHP)

No eligibility requirements

Rollover

Unused balances roll over into the next year.

With a few exceptions, FSAs are "use it or lose it," and you forfeit any unused balance.

Here's a look at some HSA changes coming for 2017. Below is a chart from the Society of Human Resource Management:

There are some great ways you can use your HSA or FSA that you may not know about. Below are some ideas!

9 ways to use your HSA or FSA you may not know about:

1. Prescription eyeglasses, contact lenses

2. Acupuncture

3. Chiropractic services

4. Laser eye surgery; LASIK

5. Hearing Aids (including batteries and repair)

6. Insurance premiums not paid by your employer

7. Drugs, medications

8. Pregnancy test kits

9. Smoking cessation programs

For a full list of approved HSA or FSA expenses, check out this list from the IRS.
Read more: How to decide if an HSA is right for you

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The difference between HSAs and FSAs (plus 9 ways to use them)

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Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are increasingly popular due to the changes in healthcare over the last several years. But how do you know which one is right for you? Here"s a breakdown.

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Video

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High-Deductible Health Plan (HDHP) and Health Savings Account (HSA) Basics

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A Health Savings Account (HSA) is a tax-free account that can be funded by both employer and employee. Employees own the HSA and can use it for current and future medical costs. Discover what a High-Deductible Health Plan (HDHP) is and how it works with an HSA.