Health Savings Account (HSA) vs. Flexible Spending Account (FSA): Making Sense of Your Healthcare Dollars Healthcare expenses can add up, and nobody likes surprises when it comes to medical bills. That's where Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) come into play, helping you manage your healthcare dollars more efficiently. In this detailed guide, we'll break down the differences between HSAs and FSAs, so you can make informed choices about your healthcare finances.