HSA vs FSA 2025: Key Limits & Tips 💡

HSA or FSA for 2025? Know the numbers before open enrollment. HSA limits just increased to $4,300 single and $8,550 family, plus $1,000 if you are 55 or older. Triple-tax advantage, and funds roll over for life. Must pair with a high-deductible health plan.

FSA cap is now $3,300. No HDHP needed, but most funds expire at year-end unless your employer allows a small rollover or grace period. Choose based on your health plan and expected expenses.

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