Tax-advantaged accounts
HSA (Health Savings Account)
A tax-advantaged savings account paired with an HDHP. Contributions are tax-deductible, growth is tax-free, and qualified withdrawals are tax-free — a triple tax advantage. Funds roll over indefinitely and stay with you across jobs. The IRS sets annual contribution limits (separate amounts for self-only and family coverage).Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
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FSA (Flexible Spending Account)
Pre-tax employer account. Use it or lose it.
Limited-purpose FSA
FSA for dental and vision only. HSA-compatible.
Dependent Care FSA (DCFSA)
Pre-tax account for childcare or eldercare expenses.
HRA (Health Reimbursement Arrangement)
Employer-funded reimbursement account.
ICHRA (Individual Coverage HRA)
Employer reimburses for individual insurance. No size limits.
QSEHRA (Qualified Small Employer HRA)
HRA for under-50-FTE employers without group health.
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