An FSA (Flexible Spending Account) and an HSA (Health Savings Account) are both tax-advantaged accounts used to pay for healthcare expenses—but they differ in some important ways. Those differences include: Ownership FSA: Owned by your employer, FSAs are special accounts that are provided by many employers to help employees manage out-of-pocket expenses for healthcare or dependent care while reducing taxable income. FSAs are not portable; if you leave your job, you generally cannot take the funds with you.  HSA: Owned by… more