The Program offers multiple pre-tax plans to pay for eligible medical, dental and vision expenses:

An HSA works only in conjunction with a qualified High-Deductible Health Insurance Plan. It can be used to pay for current or future healthcare expenses. The HSA has multiple investment options, including a low-fee, no-minimum Robo account, to save for future healthcare expenses.

HRAs and FSAs are different. They can work with any health insurance plan and are designed to pay for current healthcare expenses – “use it or lose it.”