An HSA is individually owned, can generally roll over from year to year, and is available with qualifying high-deductible health coverage. An FSA is usually employer-sponsored, is subject to plan-year rules, and may have use-it-or-lose-it limitations. Both generally look to federal qualified-medical-expense rules, but plan administration and claim procedures differ.
What this means for patients
Review current primary sources, preserve written records, and obtain individualized medical, tax or legal advice when needed.
Frequently asked questions
Is this legal or tax advice?
No. MPO provides general educational information.
Does a medical card guarantee HSA or FSA approval?
No. State authorization does not by itself establish federal benefit eligibility.
Educational use: This page does not provide medical, legal, tax or benefits advice.