Combined with your health plan, a health account can help you save money and pay for health care.

Flexible Spending Accounts (FSAs) and Transit Accounts
With an FSA or transit account sponsored by your employer, you can put aside tax-free dollars each year to pay for medical expenses, dependent care or commuter expenses. Unused funds do not carry over, so it's important to plan carefully.

Health Reimbursement Accounts (HRAs)
Some employers set up HRAs and commit to contributing to them to help you cover medical expenses you would normally cover yourself. Employers decide whether to let the remaining balance carry over to the next year.

Health Savings Accounts (HSAs)
An HSA, when paired with a qualified high-deductible health plan, allows you to contribute pre-tax dollars to pay for current medical expenses, save for future medical expenses and grow your retirement savings. And the account is yours to keep even if you change employers or benefits.