MedCity News November 30, 2025
If HSAs and FSAs were functioning as originally intended, the rising out-of-pocket costs faced by most Americans would be met with increased financial fluency and agency.
Congress created Health Savings Accounts and Flexible Spending Accounts to empower Americans with control over their healthcare spending. The accounts were designed to allow individuals to use pre-tax dollars to pay for their care directly, enabling them to save money in the process. And while most health care plans have incorporated FSAs and HSAs into their offerings, the majority of Americans still don’t feel comfortable with how they should be using them. The underlying issue here though is not a lack of awareness. It is a lack of utilization.
The financial impact...
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