FSA vs. HSA

What’s the rationale behind not allowing HSA contributions for those without a HDHP? It’s nice to have funds available on January 1, but who can accurately guess their needs over a year in advance? I’d rather contribute to an account that rolls over if I’m wrong. HSA seems the better choice overall, so shouldn’t better plans include that option?

submitted by /u/jnespuxah
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What’s the rationale behind not allowing HSA contributions for those without a HDHP? It’s nice to have funds available on January 1, but who can accurately guess their needs over a year in advance? I’d rather contribute to an account that rolls over if I’m wrong. HSA seems the better choice overall, so shouldn’t better plans include that option?
submitted by /u/jnespuxah [link] [comments]Read Morer/HealthInsurance

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