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Having an HSA or FSA can help you save money on your medical expenses.

Health Savings Accounts (HSAs) let you put aside money tax-free into a savings account you can access even into retirement. The money you contribute doesn’t expire, and you can use it to pay your expenses whenever you need.

Flexible Spending Accounts (FSAs) work with your employer-sponsored health plan to let you put aside money tax-free for planned health expenses throughout the year. There are also FSA options to set aside money for dependent care, parking, and mass transit costs.