HSA vs FSA Explained (2027): Which One Should You Choose?

HSA or FSA — which one should you actually use in 2027? Both let you pay medical costs with money that skips taxes, but they work completely differently: one account is yours forever, the other can disappear at the end of the plan year. After 10 years on the phones in health insurance, here's the real breakdown: the 2027 HSA contribution limits, the HSA's triple tax break, why your full FSA amount is available on day one, how to size an FSA so you don't lose money, and the spouse's-FSA mistake that can accidentally knock you out of contributing to your HSA. 0:00 One of these accounts melts 0:50 HSA vs FSA in one minute 1:50 The HSA and its triple tax break 4:00 The FSA: day-one money with a deadline 6:00 The traps I saw on the phones 8:00 Which one is for you 8:50 What Marcus and Tasha did 2027 HSA figures and 2026 FSA figures are from the IRS. The 2027 FSA limit hadn't been announced at the time of filming — check the pinned comment for updates. Marcus, Tasha, and the Riveras are fictional examples used for illustration. This is general education, not personal or tax advice — check your plan documents or HR for your specific situation. #HSA #FSA #HealthInsurance #OpenEnrollment2027 #HealthSavingsAccount