 TITLE: What’s the Difference Between an HSA and an FSA? CONTENT: The average non-elderly family in the U.S. spends 11% of their income on health care expenses, according to the Kaiser Family Foundation. HSAs and health FSAs are great ways to save, though you generally can't contribute to both during the same plan year.\nThink about your average annual health care expenses, like your deductible, medications and doctor's visits. Other factors to consider include:\n*   **Flexibility**: If you meet the qualifying criteria, you can keep an HSA and continue contributing to it as you move through your career, regardless of who your employer is.\n*   **Your retirement plan**: Since an HSA can double as an investment account, it could serve as a nice addition to your nest egg.\n*   **Your health insurance plan**: While HSAs are limited to high-deductible health plans, FSAs have no such restriction. END