Do Employer HSA Contributions Count Toward Your Limit?
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Short answer: yes — employer HSA contributions count against the same annual IRS limit as your own, so it pays to know exactly how much...
FSA or HSA: How to Choose During Open Enrollment
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Short answer: an HSA usually wins if you have a high-deductible plan and want funds that roll over and grow — an FSA works well...
Got Married, Had a Baby, or Changed Jobs? How to Adjust Your FSA or HSA Mid-Year
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Yes, certain life events let you change your FSA election mid-year, and HSA contributions can be adjusted anytime. Here's how to use extra pre-tax dollars...
2027 HSA Contribution Limits: What They Mean for Your Red Light Therapy Budget
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The IRS just confirmed 2027 HSA limits — $4,500 self-only, $9,000 family — while the 2027 FSA number is still pending. Here's what the increase...
What Happens If You Put Too Much Money in Your HSA? Fixing an Excess Contribution (2026)
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Short answer: over-fund your HSA past the 2026 limit and you'll owe a 6% excise tax each year it's uncorrected — unless you withdraw the...
How Much Should You Put in Your FSA? A Simple Way to Decide
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Elect what you can confidently spend, not the maximum. Here's a simple way to land on your FSA number for 2026 — including where wellness...