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data-tracking-container="true"><div class="loc article-left-rail"><div id="sticky-toc-wrapper_1-0" class="comp sticky-toc-wrapper mntl-block js-sticky-container"><div id="sticky-toc_1-0" class="comp sticky-toc mntl-sticky-toc mntl-block sticky-toc-widget" data-desktop-bp="70em"><div id="toc-wrapper_1-0" class="comp toc-wrapper mntl-toc mntl-block" data-offset="60" data-tracking-container="true"><div id="mntl-toc__inner_1-0" class="comp mntl-toc__inner mntl-block"><div id="mntl-toc__heading_1-0" class="comp mntl-toc__heading mntl-block js-toc-toggle"><span id="mntl-toc__heading-text_1-0" class="comp mntl-toc__heading-text mntl-text-block">Table of Contents</span> <div id="mntl-toc-toggle_1-0" class="comp mntl-toc-toggle mntl-block"><button id="mntl-toc-toggle__btn_1-0" class="comp mntl-toc-toggle__btn mntl-text-block js-mntl-toc-toggle" data-collapsed-text="Expand" data-expanded-text="Collapse">Expand</button></div></div> <div id="mntl-toc__mobile-toggle_1-0" class="comp mntl-toc__mobile-toggle mntl-block js-sticky-toggle"><span id="mntl-toc__heading-text_2-0" class="comp mntl-toc__heading-text mntl-text-block">Table of Contents</span> <svg class="icon icon-drawer-arrow " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-drawer-arrow" href="#icon-drawer-arrow"></use> </svg></div> <ul id="mntl-toc__list_1-0" class="comp mntl-toc__list mntl-toc__list-heading expert-content"><li id="mntl-toc__list-item_1-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_1-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-what-is-a-medical-savings-account-msa" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_1-0" data-tracking-container="true" ><span class="link__wrapper">What Is a Medical Savings Account?</span></a></div></li> <li id="mntl-toc__list-item_2-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_2-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-understanding-medical-savings-accounts-msas" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_2-0" data-tracking-container="true" ><span class="link__wrapper">Understanding MSAs</span></a></div></li> <li id="mntl-toc__list-item_3-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_3-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-history-of-medical-savings-accounts-msas" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_3-0" data-tracking-container="true" ><span class="link__wrapper">History of MSAs</span></a></div></li> <li id="mntl-toc__list-item_4-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_4-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-types-of-medical-savings-accounts-msas" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_4-0" data-tracking-container="true" ><span class="link__wrapper">Types</span></a></div></li> <li id="mntl-toc__list-item_5-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_5-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-special-considerations" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_5-0" data-tracking-container="true" ><span class="link__wrapper">Special Considerations</span></a></div></li> <li id="mntl-toc__list-item_6-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_6-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-what-are-the-different-types-of-medical-savings-accounts" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_6-0" data-tracking-container="true" ><span class="link__wrapper">FAQs</span></a></div></li> <li id="mntl-toc__list-item_7-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_7-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-the-bottom-line" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_7-0" data-tracking-container="true" ><span class="link__wrapper">The Bottom Line</span></a></div></li></ul></div></div></div></div> </div><div class="loc article-pre-content"><ul id="breadcrumbs_1-0" class="comp breadcrumbs mntl-breadcrumbs mntl-block" data-tracking-container="true"><li id="mntl-breadcrumbs__item_1-0" class="comp mntl-breadcrumbs__item mntl-block"><a href="https://www.investopedia.com/health-insurance-4427714" rel="nocaes" class="mntl-text-link mntl-breadcrumbs__link" id="mntl-text-link_1-0" data-tracking-container="true" ><span class="link__wrapper">Health Insurance</span></a></li> <li id="mntl-breadcrumbs__item_2-0" class="comp mntl-breadcrumbs__item mntl-block"><a href="https://www.investopedia.com/health-insurance-definitions-a-m-6834354" rel="nocaes" class="mntl-text-link mntl-breadcrumbs__link" id="mntl-text-link_2-0" data-tracking-container="true" ><span class="link__wrapper">Definitions A - M</span></a></li></ul> <header id="article-header_1-0" class="comp article-header mntl-block right-rail__offset js-toc-appear"><h1 id="article-heading_1-0" class="comp article-heading mntl-text-block">Medical Savings Account (MSA): Meaning, History, Types</h1> <div id="sponsorship-wrapper_1-0" class="comp sponsorship-wrapper mntl-block"></div> <div id="article-meta_1-0" class="comp article-meta mntl-block" data-tracking-container="true"><div id="finance-bylines_1-0" class="comp finance-bylines mntl-bylines"><div id="mntl-bylines__group_1-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--author"><div id="mntl-bylines__item_1-0" class="comp mntl-bylines__item mntl-attribution__item mntl-attribution__item--has-date"> <span class="mntl-attribution__item-descriptor">By</span> <div data-tooltip="<p>Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.</p>" tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/contributors/53409/" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >Julia Kagan</a> <div id="mntl-author-tooltip_1-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:99.9%;"> <img 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data-tracking-container="true" ><span class="link__wrapper">Full Bio</span></a> <div id="finance-author-tooltip__social_1-0" class="comp finance-author-tooltip__social finance-social-nav mntl-social-nav" data-tracking-container="true"> <ul class="social-nav__list"> <li class="social-nav__item social-nav__item--linkedin"> <a href="https://www.linkedin.com/in/julia-kagan-4118147/" target="_blank" rel="noopener nocaes" data-text="Follow" class="social-nav__link social-nav__link--linkedin" aria-label="Visit Julia Kagan's LinkedIn" > <svg class="icon icon-linkedin social-nav__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-linkedin" href="#icon-linkedin"></use> </svg> </a> </li> </ul> </div> <div class="mntl-author-tooltip__bio"> <p>Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.</p> </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/legal-4768893#editorial-policy" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >editorial policies</a> </div> </div></div> </div> <div class="mntl-attribution__item-date">Updated November 15, 2024</div></div> <div id="mntl-bylines__group_2-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--finance_reviewer"><div id="mntl-bylines__item_2-0" class="comp mntl-bylines__item mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Reviewed by</span> <a href="https://www.investopedia.com/eric-estevez-4799782" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="0" >Eric Estevez</a> </div></div> <div id="mntl-bylines__group_3-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--fact_checker"><div 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She holds a Bachelor of Science in Finance degree from Bridgewater State University and helps develop content strategies.</p>" tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/suzanne-kvilhaug-5197828" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >Suzanne Kvilhaug</a> <div id="mntl-author-tooltip_2-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:141.5%;"> <img data-src="https://www.investopedia.com/thmb/znbFHeELuyfkeore2XU_GHw2QaM=/200x200/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg" width="200" height="200" data-srcset="https://www.investopedia.com/thmb/6YDmk_fQWw9e8LnPzGXfRp3byoc=/40x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 40w, https://www.investopedia.com/thmb/ZC790ovIQt-5t-HUjYvEWBjAsg0=/58x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 58w, https://www.investopedia.com/thmb/S17_6uOl0HvtFC4mKSDojUU8y3M=/76x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 76w, https://www.investopedia.com/thmb/bHsaut7F-CbcEhCeUAudsAVU0UY=/94x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 94w, https://www.investopedia.com/thmb/2Qz7cvPQkUQkayw-ziRnIOQRsVw=/112x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 112w" data-sizes="80px" alt="Suzanne Kvilhaug" class="lazyload mntl-author-tooltip__image mntl-image universal-image__image" /> <noscript> <img src="https://www.investopedia.com/thmb/znbFHeELuyfkeore2XU_GHw2QaM=/200x200/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg" width="200" height="200" class="img--noscript mntl-author-tooltip__image mntl-image universal-image__image" srcset="https://www.investopedia.com/thmb/6YDmk_fQWw9e8LnPzGXfRp3byoc=/40x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 40w, https://www.investopedia.com/thmb/ZC790ovIQt-5t-HUjYvEWBjAsg0=/58x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 58w, https://www.investopedia.com/thmb/S17_6uOl0HvtFC4mKSDojUU8y3M=/76x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 76w, https://www.investopedia.com/thmb/bHsaut7F-CbcEhCeUAudsAVU0UY=/94x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 94w, https://www.investopedia.com/thmb/2Qz7cvPQkUQkayw-ziRnIOQRsVw=/112x0/filters:no_upscale():max_bytes(150000):strip_icc()/SuzannesHeadshot-3dcd99dc3f2e405e8bd37271894491ac.jpg 112w" sizes="80px" alt="Suzanne Kvilhaug" /> </noscript> </div> </div> <div id="mntl-author-tooltip__name_1-0" class="comp mntl-author-tooltip__name mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Fact checked by</span> <span id="mntl-author-tooltip__name_1-0" class="comp mntl-author-tooltip__name mntl-attribution__item mntl-attribution__item-name">Suzanne Kvilhaug</span> </div> <a href="https://www.investopedia.com/suzanne-kvilhaug-5197828" rel="nocaes" class="finance-author-tooltip__link mntl-text-link " id="finance-author-tooltip__link_2-0" data-tracking-container="true" ><span class="link__wrapper">Full Bio</span></a> <div class="mntl-author-tooltip__bio"> <p>Suzanne is a content marketer, writer, and fact-checker. She holds a Bachelor of Science in Finance degree from Bridgewater State University and helps develop content strategies.</p> </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/legal-4768893#editorial-policy" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >editorial policies</a> </div> </div></div> </div></div> </div></div></header> <div id="journey-accordion--pre-content_1-0" class="comp journey-accordion--pre-content journey-accordion mntl-block" data-tracking-container="true"><div id="journey-accordion-header_1-0" class="comp journey-accordion-header mntl-block js-drawer-trigger"><div id="journey-accordion-header__content_1-0" class="comp journey-accordion-header__content"> <div class="journey-accordion-header__content-mobile-subtitle"> Part of the Series </div> <div class="journey-accordion-header__content-title is-mini-journey"> Medical Savings and Spending Accounts </div> </div> <svg class="icon icon-caret " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-caret" href="#icon-caret"></use> </svg></div> <div class="journey-accordion__item journey-accordion__root "> <a href=https://www.investopedia.com/insurance/hsa-vs-fsa/ class="journey-accordion__item-header "> Health Savings vs. Flexible Spending Account: What's the Difference? </a> </div> <div class="journey-accordion__item is-active"> <div class="journey-accordion__item-header"> <svg viewBox="0 0 13 8" xmlns="http://www.w3.org/2000/svg" class="journey-accordion__icon--accordion"> <path d="M6.5 0L0.5 6L1.91 7.41L6.5 2.83L11.09 7.41L12.5 6L6.5 0Z" /> </svg> Types of Accounts </div> <ol class="journey-accordion__sub-item"> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/f/flexiblespendingaccount.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Flexible Spending Account (FSA) </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/h/hsa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Health Savings Account (HSA) Definition </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/h/hra.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Health Reimbursement Arrangement (HRA) </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/v/voluntaryemployeesassoc.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Voluntary Employees’ Beneficiary Association Plan (VEBA) </a> </li> <li class="journey-accordion__sublist-item is-active"> <a href="https://www.investopedia.com/terms/m/medical-savings-account.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Medical Savings Account (MSA) </a> <div class="journey-accordion__sublist-item--current-article">CURRENT ARTICLE</div> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/a/archer-msa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Archer MSA </a> </li> </ol> </div> <div class="journey-accordion__item "> <div class="journey-accordion__item-header"> <svg viewBox="0 0 13 8" xmlns="http://www.w3.org/2000/svg" class="journey-accordion__icon--accordion"> <path d="M6.5 0L0.5 6L1.91 7.41L6.5 2.83L11.09 7.41L12.5 6L6.5 0Z" /> </svg> How The Accounts Differ </div> <ol class="journey-accordion__sub-item"> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/hra-vs-hsa-5190731" rel="nocaes" class="journey-accordion__sublist-item--link" > HRA vs. HSA </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/articles/personal-finance/090814/pros-and-cons-health-savings-account-hsa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > HSAS: Advantages and Disadvantages </a> </li> </ol> </div> <div class="journey-accordion__item "> <div class="journey-accordion__item-header"> <svg viewBox="0 0 13 8" xmlns="http://www.w3.org/2000/svg" class="journey-accordion__icon--accordion"> <path d="M6.5 0L0.5 6L1.91 7.41L6.5 2.83L11.09 7.41L12.5 6L6.5 0Z" /> </svg> All About Flex Spending Accounts </div> <ol class="journey-accordion__sub-item"> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/articles/personal-finance/060215/how-flexible-spending-accounts-work.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > How Flexible Spending Accounts Work </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111615/does-money-flexible-spending-account-fsa-roll-over.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Does Money in an FSA Roll Over? </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111715/can-flexible-spending-account-fsa-be-used-spouse.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Who Can Use Your FSA? </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111815/can-flexible-spending-account-fsa-be-used-gym-membership.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > What Can You Buy With a FSA? </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111314/how-does-grace-period-work-my-flexible-spending-account-fsa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > How Grace Periods for FSAs Work </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111815/do-flexible-spending-accounts-fsas-expire.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Do FSAs Expire? </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/insurance/20-ways-use-your-flexible-spending-account/" rel="nocaes" class="journey-accordion__sublist-item--link" > Ways to Use Up Your Flexible Spending Account </a> </li> </ol> </div> <div class="journey-accordion__item "> <div class="journey-accordion__item-header"> <svg viewBox="0 0 13 8" xmlns="http://www.w3.org/2000/svg" class="journey-accordion__icon--accordion"> <path d="M6.5 0L0.5 6L1.91 7.41L6.5 2.83L11.09 7.41L12.5 6L6.5 0Z" /> </svg> All About Health Savings Accounts </div> <ol class="journey-accordion__sub-item"> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/articles/personal-finance/082914/rules-having-health-savings-account-hsa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > HAS Rules and Limits </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/h/hsa-custodian.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > HSA Custodian </a> </li> </ol> </div> <div class="journey-accordion__item "> <div class="journey-accordion__item-header"> <svg viewBox="0 0 13 8" xmlns="http://www.w3.org/2000/svg" class="journey-accordion__icon--accordion"> <path d="M6.5 0L0.5 6L1.91 7.41L6.5 2.83L11.09 7.41L12.5 6L6.5 0Z" /> </svg> Tax Considerations </div> <ol class="journey-accordion__sub-item"> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/articles/personal-finance/120715/why-hsas-appeal-more-highincome-earners.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Why HSAs Appeal More to High-Income Earners </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/transfer-ira-money-to-an-hsa-4770819" rel="nocaes" class="journey-accordion__sublist-item--link" > Transfer IRA Money to an HSA </a> </li> </ol> </div></div> <figure id="article-primary-image_1-0" class="comp article-primary-image mntl-universal-primary-image primary-image"> <div class="primary-image__media"> <div class="img-placeholder" style="padding-bottom:66.6%;"> <img src="https://www.investopedia.com/thmb/FSODoafxfpuqZxF8070QKY56ObI=/1500x0/filters:no_upscale():max_bytes(150000):strip_icc()/MedicalSavingsAccountMSAMeaningHistoryTypes-f1b796ae830845b1b65124bd972a9033.jpg" width="8660" height="5773" srcset="https://www.investopedia.com/thmb/3IHFxp-fUPjcjI_KH_c--OTxDVo=/750x0/filters:no_upscale():max_bytes(150000):strip_icc()/MedicalSavingsAccountMSAMeaningHistoryTypes-f1b796ae830845b1b65124bd972a9033.jpg 750w" sizes="750px" alt="A doctor explaining the drugs in the prescription to senior patient" class=" primary-image__image mntl-primary-image--blurry" onload="(function(e){e.classList.add('loaded')})(this)" style="--blurry: 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primary-image__image mntl-primary-image--blurry" srcset="https://www.investopedia.com/thmb/3IHFxp-fUPjcjI_KH_c--OTxDVo=/750x0/filters:no_upscale():max_bytes(150000):strip_icc()/MedicalSavingsAccountMSAMeaningHistoryTypes-f1b796ae830845b1b65124bd972a9033.jpg 750w" sizes="750px" alt="A doctor explaining the drugs in the prescription to senior patient" /> </noscript> </div> </div> <figcaption id="primary-image__figcap_1-0" class="comp primary-image__figcap mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p>FatCamera / Getty Images</p></span> </figcaption></figure> </div><div class="loc article-content"><div id="article__primary-video-container--jw_1-0" class="comp article__primary-video-container--jw mntl-block"></div> <div id="article__broad-video--jw_1-0" class="comp article__broad-video--jw mntl-jwplayer-broad mntl-block is-hidden" data-pixel-depth="100"><div id="mntl-jwplayer-broad__video_1-0" class="comp mntl-jwplayer-broad__video mntl-jwplayer mm-video lazyload" data-bgset data-sizes="auto"></div> <div id="mntl-jwplayer-broad__title_1-0" class="comp mntl-jwplayer-broad__title mntl-block"><div id="mntl-jwplayer-broad__title--text_1-0" class="comp mntl-jwplayer-broad__title--text mntl-text-block text-utility-100"></div> <button id="mntl-jwplayer-broad__title-icon--close_1-0" class="comp mntl-jwplayer-broad__title-icon--close mntl-block text-label-100" data-click-tracked="false"><span id="mntl-text-block_1-0" class="comp mntl-text-block">Close</span> <svg class="icon close-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#close-icon" href="#close-icon"></use> </svg></button></div></div> <div id="article-body_1-0" class="comp article-body mntl-block" data-contain-tooltips="true"><div id="mntl-sc-page_1-0" class="comp mntl-sc-page mntl-block article-body-content" data-sc-sticky-offset="80" data-sc-ad-label-height="0" data-sc-ad-track-spacing="90" data-sc-min-track-height="250" data-sc-max-track-height="600" data-sc-breakpoint="50em" data-sc-load-immediate="1" data-sc-content-positions="[300, 1, 1, 1250, 1, 1, 1, 1]" data-bind-scroll-on-start="true"><span class="heading-toc" id="toc-what-is-a-medical-savings-account-msa"></span><h2 id="mntl-sc-block_1-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> What Is a Medical Savings Account (MSA)? </span> </h2> <p id="mntl-sc-block_2-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The term medical savings account can refer to any of several tax-benefitted arrangements enacted since the early 1990s. However, it also refers to a specific type of medical savings account (MSA) that was authorized and regulated under the Internal Revenue Code in the early 1990s. This type of account evolved into a <a href="https://www.investopedia.com/terms/h/hsa.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">health savings account (HSA)</a>. </p> <div id="mntl-sc-block_3-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_4-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Some Medicare Advantage plans offer Medicare MSAs. These accounts are regulated by the administrators of Medicare, the Centers for Medicare and Medicaid Services.<span class="ql-inline-citation" data-cite="21"></span> </p> <div id="mntl-sc-block_5-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_6-0" class="comp mntl-sc-block finance-sc-block-callout mntl-block"><div id="mntl-sc-block_7-0" class="comp mntl-sc-block mntl-sc-block-callout mntl-block theme-whatyouneedtoknow" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"><h3 id="mntl-sc-block-callout-heading_1-0" class="comp mntl-sc-block-callout-heading mntl-text-block">Key Takeaways</h3> <div id="mntl-sc-block-callout-body_1-0" class="comp mntl-sc-block-callout-body mntl-text-block"><ul><li>Medical savings accounts, created by several states in the early 1990s and later by a federal pilot program, were generally phased out in 2003 and succeeded by HSAs and health savings accounts.</li><li>Existing Archer MSAs were legacied in, but no new ones were allowed.</li><li>Employee HSAs can be structured to receive contributions from the employee, employer, or both.</li><li>Members of qualified high-deductible Medicare Advantage plans can establish medical savings accounts that Medicare regulates.<span class="ql-inline-citation" data-cite="13"></span></li><li>Some employers help employees pay for medical expenses by offering tax-benefitted flexible spending arrangements (FSAs) or health reimbursement arrangements (HRAs).</li></ul></div></div></div> <span class="heading-toc" id="toc-understanding-medical-savings-accounts-msas"></span><h2 id="mntl-sc-block_8-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Understanding Medical Savings Accounts (MSAs) </span> </h2> <p id="mntl-sc-block_9-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Medical savings accounts (MSAs) were first created by several states in the early 1990s. By 1996, these plans became a federal pilot program within the Health Insurance Portability and Accountability Act (HIPAA). Medical savings accounts enjoyed tax benefits under the Internal Revenue Code and were models for succeeding medical savings arrangements. </p> <div id="mntl-sc-block_10-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_11-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The original type of MSA, which could be used by individuals who were either self-employed or members of small group plans and enrolled in <a href="https://www.investopedia.com/terms/h/hdhp.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">high-deductible health plans (HDHPs)</a>, was phased out in 2003.<span class="ql-inline-citation" data-cite="10"></span> However, MSAs structured as Archer MSAs were permitted to continue, although no new Archer MSAs may be created.<span class="ql-inline-citation" data-cite="14"></span> </p> <div id="mntl-sc-block_12-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_13-0" class="comp mntl-sc-block finance-sc-block-callout mntl-block"><div id="mntl-sc-block_14-0" class="comp mntl-sc-block mntl-sc-block-callout mntl-block theme-important" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"><h3 id="mntl-sc-block-callout-heading_2-0" class="comp mntl-sc-block-callout-heading mntl-text-block"></h3> <div id="mntl-sc-block-callout-body_2-0" class="comp mntl-sc-block-callout-body mntl-text-block"><p>Participants in high-deductible <a href="https://www.investopedia.com/terms/m/medicare-advantage.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Medicare Advantage (MA) plans</a> can use Medicare MSAs funded by MA plans that meet guidelines established by Medicare.<span class="ql-inline-citation" data-cite="11"></span></p></div></div></div> <p id="mntl-sc-block_15-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> In 2003, a new tax-benefitted arrangement, a health savings account (HSA), was enacted as part of the Medicare Prescription Drug, Improvement, and Modernization Act.<span class="ql-inline-citation" data-cite="20"></span> Rules similar to those for MSAs (related to eligibility, HDHP deductibles, contributions, and tax treatment) apply to HSAs. A broader range of individuals can benefit from HSAs than were eligible for the original MSAs; HSAs are available to employed, self-employed, and unemployed individuals. An employee or an employer (or both) can contribute to an HSA. </p> <div id="mntl-sc-block_16-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_17-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Some employees may be offered other employer-sponsored programs that provide tax-favored healthcare savings. <a href="https://www.investopedia.com/terms/h/hra.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Health reimbursement arrangements</a> (HRAs( are funded solely by the employer. On the other hand, the employee or employer (or both) may contribute to <a href="https://www.investopedia.com/terms/f/flexiblespendingaccount.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">flexible spending arrangements</a> (FSAs).<span class="ql-inline-citation" data-cite="12"></span> </p> <div id="mntl-sc-block_18-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-history-of-medical-savings-accounts-msas"></span><h2 id="mntl-sc-block_19-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> History of Medical Savings Accounts (MSAs) </span> </h2> <p id="mntl-sc-block_20-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Medical savings accounts were put in place to make the high cost of healthcare services more affordable for Americans. Funding for the first MSAs was contributed by the individual or the employer, but not by both. MSAs were limited to the self-employed or employer groups with 50 or fewer employees, and they were subject to requirements relating to eligibility, contributions, and use of funds. Participants had to be enrolled in a high-deductible health insurance plan (HDHP). Individuals did not pay tax on their own (or their employer's) contributions. MSA distributions were tax-free if used for qualified medical expenses. </p> <div id="mntl-sc-block_21-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_22-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> These arrangements were succeeded by HSAs, which continue to be available. HSAs adopted a structure and rules similar to those of MSAs, including the requirement that each account is coupled with an HDHP.<span class="ql-inline-citation" data-cite="10"></span> </p> <div id="mntl-sc-block_23-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-types-of-medical-savings-accounts-msas"></span><h2 id="mntl-sc-block_24-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Types of Medical Savings Accounts (MSAs) </span> </h2> <h3 id="mntl-sc-block_25-0" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Medicare Medical Savings Accounts (MSAs) </span> </h3> <p id="mntl-sc-block_26-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Medicare MSAs are available with high-deductible Medicare Advantage (MA) plans (Medicare Part C). The MA plan deposits funds to the insured's MSA, allowing the insured to use the funds to pay for medical care even before the deductible is reached. The Medicare MSA is similar to an HSA, allowing users to <a href="https://www.investopedia.com/hsa-vs-ppo-5191333" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">choose their healthcare providers</a> and services. However, although Medicare MSA funds may be used for services not covered by Medicare, only the cost of Medicare services will be counted toward meeting the deductible.<span class="ql-inline-citation" data-cite="13"></span> </p> <div id="mntl-sc-block_27-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_28-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> For an extra cost, some Medicare MSAs cover extra benefits not covered by the MA Plan—for example, dental care, vision care, hearing aids, and long-term care. However, Medicare MSAs do not cover prescription drugs. Enrollment in Medicare Part D is required for Medicare coverage of prescription drugs.<span class="ql-inline-citation" data-cite="13"></span> </p> <div id="mntl-sc-block_29-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_30-0" class="comp mntl-sc-block finance-sc-block-callout mntl-block"><div id="mntl-sc-block_31-0" class="comp mntl-sc-block mntl-sc-block-callout mntl-block theme-tip" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"><h3 id="mntl-sc-block-callout-heading_3-0" class="comp mntl-sc-block-callout-heading mntl-text-block"></h3> <div id="mntl-sc-block-callout-body_3-0" class="comp mntl-sc-block-callout-body mntl-text-block"><p>People who are enrolled in a Medicare MSA can use funds from the account to pay for medical expenses even before reaching the high deductible of their insurance plan.<span class="ql-inline-citation" data-cite="13"></span></p></div></div></div> <h3 id="mntl-sc-block_32-0" class="comp mntl-sc-block finance-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Archer Medical Savings Accounts (MSAs) </span> </h3> <p id="mntl-sc-block_33-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Before 2008, self-employed individuals and small businesses with fewer than 50 employees who HDHPs covered were able to create MSAs, known as <a href="https://www.investopedia.com/terms/a/archer-msa.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Archer MSAs</a>, which were set up as tax-exempt trusts or custodial accounts with U.S. financial institutions. Archer MSAs generally worked in the same way as the original MSAs did. (The original MSAs were discontinued in 2003.) The law authorizing Archer MSAs expired as of Dec. 31, 2007. Because they were discontinued, no new Archer MSAs were created after that year. However, existing accounts were permitted to continue to receive and distribute funds.<span class="ql-inline-citation" data-cite="14"></span> </p> <div id="mntl-sc-block_34-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_35-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Individuals’ contributions into Archer MSAs were tax-deductible. Currently, contributions into Archer MSA accounts that have been legacied are tax-deductible (whether or not the contributor itemized deductions). Employer contributions are not taxable to the employee. Only contributions in cash are permitted. Interest or other earnings and distributions to cover the cost of qualified medical expenses are tax-free. At year-end, unused balances can be rolled over to the following year. If insured individuals change jobs, the Archer MSA can move with them to the next employer, and they can make additional deposits provided they continue to be eligible.<span class="ql-inline-citation" data-cite="7"></span> </p> <div id="mntl-sc-block_36-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-special-considerations"></span><h2 id="mntl-sc-block_37-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Special Considerations </span> </h2> <p id="mntl-sc-block_38-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> In 2003, the Medicare Prescription Drug Improvement and Modernization Act authorized the creation of health savings accounts (HSAs) to help pay the medical expenses of individuals enrolled in high-deductible health plans (HDHPs).<span class="ql-inline-citation" data-cite="20"></span> These accounts became a permanent feature of the tax code. </p> <div id="mntl-sc-block_39-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_40-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> <a href="https://www.investopedia.com/1099-sa-form-understanding-your-1099-sa-form-4782433" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">IRS Form 1099-SA</a> reports medical savings account distributions. When not used for a qualified medical expense, these distributions are taxable as income. Tax ramifications can also come from making excess contributions into the account. </p> <div id="mntl-sc-block_41-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_42-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Contributions to HSAs reduce federal taxable income. HSAs are available to any eligible individual with an HDHP, whether self-employed, unemployed, or employed by a small or large company. If an employer contributes to an HSA—or an employee contributes through payroll deductions—the amounts are excluded from the employee’s taxable income. Direct contributions by self-employed and unemployed individuals are tax-deductible, whether the individual claims the standard deduction or itemizes. Funding can be made anytime between the beginning of the calendar year and before the tax filing deadline for that year. Distributions to pay for qualified medical expenses are tax-free.<span class="ql-inline-citation" data-cite="20"></span> </p> <div id="mntl-sc-block_43-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <figure id="mntl-sc-block_44-0" class="comp mntl-sc-block finance-sc-block-table mntl-sc-block-table js-table-scroll"> <div class="mntl-sc-block-table__table-wrapper"> <table class="mntl-sc-block-table__table"> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <thead> <tr> <th colspan="3" class="mntl-sc-block-table__title">IRS: 2024 & 2025 Contribution and Out-of-Pocket Limits for Health Savings Accounts and High-Deductible Health Plans</th> </tr> </thead> <tbody data-check="-1"> <tr> <td> </td> <td>2024</td> <td>2025</td> </tr> <tr> <td><b>HSA contribution limit</b> (employer + employee)</td> <td>Self-only: <b>$4,150</b> Family: <b>$8,300</b></td> <td>Self-only: <b>$4,300 </b>Family: <b>$8,550</b></td> </tr> <tr> <td><b>HSA catch-up contributions </b>(age 55 or older)</td> <td><b>$1,000</b></td> <td><b>$1,000</b></td> </tr> <tr> <td><b>HDHP minimum deductibles</b></td> <td>Self-only: <b>$1,600 </b>Family: <b>$3,200</b></td> <td>Self-only: <b>$1,650</b> Family: <b>$3,300</b></td> </tr> <tr> <td><b>HDHP maximum out-of-pocket amounts </b>(deductibles, co-payments, and other amounts but not premiums</td> <td>Self-only: <b>$8,050</b> Family: <b>$16,100</b></td> <td>Self-only: <b>$8,300</b> Family: <b>$16,600</b></td> </tr> </tbody> </table> <figcaption>Internal Revenue Service, 26 CFR 601.602: Tax forms and instructions</figcaption> </figure> <div id="mntl-sc-block_45-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_46-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> <em>Sources: Internal Revenue Service.</em><span class="ql-inline-citation" data-cite="23"></span><span class="ql-inline-citation" data-cite="22"></span> </p> <div id="mntl-sc-block_47-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_48-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> An HSA is a fully vested account; funds are not subject to forfeiture if they remain unspent at the end of the year. The IRS announces annually the HSA contribution limits and the required, inflation-adjusted HDHP amounts for the minimum health plan deductible and the ceiling on out-of-pocket expenses for both self-only and family coverage. Individuals age 55 and older are entitled to an additional contribution amount annually. Individuals enrolled in Medicare cannot contribute to HSAs, but they can make tax-free distributions from any remaining balance in an HSA to pay for qualified medical expenses.<span class="ql-inline-citation" data-cite="16"></span> </p> <div id="mntl-sc-block_49-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_50-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-what-are-the-different-types-of-medical-savings-accounts"></span> <h2 class="mntl-sc-block-questionandanswer__question">What Are the Different Types of Medical Savings Accounts?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Accounts (HRAs) are just a few of your MSA options.</p></div> </div> <div id="mntl-sc-block_51-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_52-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-do-i-lose-hsa-funds-if-i-dont-use-them"></span> <h2 class="mntl-sc-block-questionandanswer__question">Do I Lose HSA Funds if I Don't Use Them?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>No, unlike Flexible Spending Accounts (FSAs), you won't lose the funds in your HSA. Instead, they'll grow over time.</p></div> </div> <div id="mntl-sc-block_53-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_54-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-is-an-msa-the-same-as-an-hsa"></span> <h2 class="mntl-sc-block-questionandanswer__question">Is an MSA the Same as an HSA?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>No, if you have a high-deductible health plan, you have an HSA. If you have a high-deductible Medicare Advantage Plan (Part C), you have an MSA.</p></div> </div> <div id="mntl-sc-block_55-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-the-bottom-line"></span><h2 id="mntl-sc-block_56-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> The Bottom Line </span> </h2> <p id="mntl-sc-block_57-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Although an MSA is similar to an HSA, it's distinct in that it's only available with high-deductible Medicare Advantage Plans. You do get to choose your healthcare providers (just like with an HSA), but even though your funds can be used to pay for services that Medicare doesn't typically cover, only the Medicare services count toward meeting your plan's deductible.<br/> </p></div> <div id="textnote-placeholder_1-0" class="comp textnote-placeholder mntl-block"></div> <div id="textnote_1-0" class="comp textnote mm-ads-gpt-adunit gpt textnote "> <div id="textnote" class="wrapper" data-timed-refresh="30000" ></div> </div></div> </div><div class="loc article-post-content"><div id="article-sources_1-0" class="comp article-sources mntl-article-sources mntl-expandable-block" data-scroll-offset="100"><div class="loc toggle-content"><div id="mntl-article-sources__wrapper_1-0" class="comp mntl-article-sources__wrapper mntl-block article-sources__wrapper" data-click-tracked="true"><div id="mntl-article-sources__heading_1-0" class="comp mntl-article-sources__heading mntl-text-block article-sources__heading">Article Sources</div> <div id="mntl-article-sources__icon-wrapper_1-0" class="comp mntl-article-sources__icon-wrapper mntl-block article-sources__icon-wrapper"><div id="article-sources__show-icon_1-0" class="comp article-sources__show-icon mntl-block"></div> <div id="article-sources__hide-icon_1-0" class="comp article-sources__hide-icon mntl-block"></div></div></div> </div><div class="loc expandable-content"> <div id="article-sources__disclaimer_1-0" class="comp article-sources__disclaimer mntl-block">Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our <a href="https://www.investopedia.com/legal-4768893#EditorialPolicy" rel="nocaes" class="article-sources__disclaimer-text-link mntl-text-link " id="article-sources__disclaimer-text-link_1-0" data-tracking-container="true" ><span class="link__wrapper">editorial policy.</span></a></div> <div id="mntl-article-sources__citation-sources-1_1-0" class="comp mntl-article-sources__citation-sources-1 mntl-citation-sources mntl-sources" data-tracking-container="true"> <ol class="mntl-sources__content"> <li class="mntl-sources__source" id="citation-21"><p>Centers for Medicare & Medicaid Services. "<a href="https://www.cms.gov/Medicare/Health-Plans/MSA" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Medical Savings Account (MSA)</a>."</p></li> <li class="mntl-sources__source" id="citation-13"><p>Medicare.gov. "<a href="https://www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-medical-savings-account-msa-plans" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Medicare Medical Savings Account (MSA) Plans</a>."</p></li> <li class="mntl-sources__source" id="citation-10"><p>Cambridge University Press. "<a href="https://www.cambridge.org/core/books/private-health-insurance/health-savings-accounts-in-the-united-states-of-america/DD61E17CB38A826EBDB90B994A2FE12A" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Insurance, Chapter 16. Health Savings Accounts in the United States of America</a>."</p></li> <li class="mntl-sources__source" id="citation-14"><p>U.S. Code. "<a href="https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section220&num=0&edition=prelim" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">26 USC 220: Archer MSAs</a>."</p></li> <li class="mntl-sources__source" id="citation-11"><p>Centers for Medicare & Medicaid Services. "<a href="https://www.cms.gov/Medicare/Health-Plans/MSA/Downloads/MSAFactSheet-3-13-08.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Fact Sheet on Medicare Medical Savings Account (MSA) Plans</a>."</p></li> <li class="mntl-sources__source" id="citation-20"><p>Congress.gov. "<a href="https://www.congress.gov/bill/108th-congress/house-bill/1" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">H.R.1 - Medicare Prescription Drug, Improvement, and Modernization Act of 2003</a>."</p></li> <li class="mntl-sources__source" id="citation-12"><p>Healthcare.gov. "<a href="https://www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts/" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Using a Flexible Spending Account (FSA)</a>."</p></li> <li class="mntl-sources__source" id="citation-7"><p>Internal Revenue Service. "<a href="https://www.irs.gov/pub/irs-pdf/p969.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans</a>,” Page 11-12.</p></li> <li class="mntl-sources__source" id="citation-23"><p>Internal Revenue Service. "<a href="https://www.irs.gov/pub/irs-drop/rp-24-25.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Rev. Proc. 2024-25</a>," Pages 1-2.</p></li> <li class="mntl-sources__source" id="citation-22"><p>Internal Revenue Service. "<a href="https://www.irs.gov/pub/irs-drop/rp-23-23.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Rev. Proc. 2023-23</a>," Pages 1-2.</p></li> <li class="mntl-sources__source" id="citation-16"><p>Internal Revenue Service. "<a href="https://www.irs.gov/pub/irs-pdf/p969.pdf" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans</a>,” Page 3-7.</p></li> </ol> </div> </div></div> <div id="performance-marketing_1-0" class="comp performance-marketing mntl-block "><div id="gam-ad-table_1-0" class="comp gam-ad-table ad-table mntl-block"></div></div> <div id="journey-accordion--post-content_1-0" class="comp journey-accordion--post-content journey-accordion mntl-block is-toggled" data-tracking-container="true"><div id="journey-accordion-header_2-0" class="comp journey-accordion-header mntl-block js-drawer-trigger"><div id="journey-accordion-header__content_2-0" class="comp journey-accordion-header__content"> <div class="journey-accordion-header__content-mobile-subtitle"> Part of the Series </div> <div class="journey-accordion-header__content-title is-mini-journey"> Medical Savings and Spending Accounts </div> </div> <svg class="icon icon-caret " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-caret" href="#icon-caret"></use> </svg></div> <div class="journey-accordion__item journey-accordion__root "> <a href=https://www.investopedia.com/insurance/hsa-vs-fsa/ class="journey-accordion__item-header "> Health Savings vs. Flexible Spending Account: What's the Difference? </a> </div> <div class="journey-accordion__item is-active"> <div class="journey-accordion__item-header"> <svg viewBox="0 0 13 8" xmlns="http://www.w3.org/2000/svg" class="journey-accordion__icon--accordion"> <path d="M6.5 0L0.5 6L1.91 7.41L6.5 2.83L11.09 7.41L12.5 6L6.5 0Z" /> </svg> Types of Accounts </div> <ol class="journey-accordion__sub-item"> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/f/flexiblespendingaccount.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Flexible Spending Account (FSA) </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/h/hsa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Health Savings Account (HSA) Definition </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/h/hra.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Health Reimbursement Arrangement (HRA) </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/v/voluntaryemployeesassoc.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Voluntary Employees’ Beneficiary Association Plan (VEBA) </a> </li> <li class="journey-accordion__sublist-item is-active"> <a href="https://www.investopedia.com/terms/m/medical-savings-account.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Medical Savings Account (MSA) </a> <div class="journey-accordion__sublist-item--current-article">CURRENT ARTICLE</div> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/a/archer-msa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Archer MSA </a> </li> </ol> </div> <div class="journey-accordion__item "> <div class="journey-accordion__item-header"> <svg viewBox="0 0 13 8" xmlns="http://www.w3.org/2000/svg" class="journey-accordion__icon--accordion"> <path d="M6.5 0L0.5 6L1.91 7.41L6.5 2.83L11.09 7.41L12.5 6L6.5 0Z" /> </svg> How The Accounts Differ </div> <ol class="journey-accordion__sub-item"> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/hra-vs-hsa-5190731" rel="nocaes" class="journey-accordion__sublist-item--link" > HRA vs. HSA </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/articles/personal-finance/090814/pros-and-cons-health-savings-account-hsa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > HSAS: Advantages and Disadvantages </a> </li> </ol> </div> <div class="journey-accordion__item "> <div class="journey-accordion__item-header"> <svg viewBox="0 0 13 8" xmlns="http://www.w3.org/2000/svg" class="journey-accordion__icon--accordion"> <path d="M6.5 0L0.5 6L1.91 7.41L6.5 2.83L11.09 7.41L12.5 6L6.5 0Z" /> </svg> All About Flex Spending Accounts </div> <ol class="journey-accordion__sub-item"> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/articles/personal-finance/060215/how-flexible-spending-accounts-work.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > How Flexible Spending Accounts Work </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111615/does-money-flexible-spending-account-fsa-roll-over.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Does Money in an FSA Roll Over? </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111715/can-flexible-spending-account-fsa-be-used-spouse.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Who Can Use Your FSA? </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111815/can-flexible-spending-account-fsa-be-used-gym-membership.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > What Can You Buy With a FSA? </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111314/how-does-grace-period-work-my-flexible-spending-account-fsa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > How Grace Periods for FSAs Work </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/ask/answers/111815/do-flexible-spending-accounts-fsas-expire.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > Do FSAs Expire? </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/insurance/20-ways-use-your-flexible-spending-account/" rel="nocaes" class="journey-accordion__sublist-item--link" > Ways to Use Up Your Flexible Spending Account </a> </li> </ol> </div> <div class="journey-accordion__item "> <div class="journey-accordion__item-header"> <svg viewBox="0 0 13 8" xmlns="http://www.w3.org/2000/svg" class="journey-accordion__icon--accordion"> <path d="M6.5 0L0.5 6L1.91 7.41L6.5 2.83L11.09 7.41L12.5 6L6.5 0Z" /> </svg> All About Health Savings Accounts </div> <ol class="journey-accordion__sub-item"> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/articles/personal-finance/082914/rules-having-health-savings-account-hsa.asp" rel="nocaes" class="journey-accordion__sublist-item--link" > HAS Rules and Limits </a> </li> <li class="journey-accordion__sublist-item "> <a href="https://www.investopedia.com/terms/h/hsa-custodian.asp" rel="nocaes" 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