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Find the Right Funding Account for You

Compare Funding Accounts to Find the Best Option for You

Health Reimbursement
Arrangement (HRA)

Health Savings Account 

Flexible Spending Account 

Account Holder


Individual (Employee)



Individual must work for an employer that offers one

Individual must be enrolled in an HSA-qualified medical plan

Individual must work for an employer that offers one


Employer only

Individual and/or employer and certain others

Individual and/or employer


Cannot be rolled over to a new employer

The employee takes it when leaving employment; after age 65, funds may be used for non-medical expenses

Cannot be rolled over to a new employer

Fund Carryover from Year to Year

Optional (determined by employer)

Funds carry over year to year

Health FSA: Optional (employers choose a 77-day grace period, a $500 carryover, or neither)

Dependent Care FSA: Funds are forfeited to employer if they are not used by the end of the plan year after a run-out period or grace period, if applicable

CDPHP Plan Compatibility

EPO, PPO, or HMO with a deductible, or any HDEPO, HDPPO, HDHMO



Qualified Expenses

Determined by employer; can include copayments, deductibles, vision care, dental care, prescriptions, and other IRS-qualified medical expenses

All IRS-qualified medical expenses

Health FSA: All IRS-qualified medical expenses, or defined, limited expenses such as dental and vision care

Dependent Care FSA: Child or adult day care