Guides
HSA guides, in plain English
Short lessons on how Health Savings Accounts work, written for people who are comparing providers. Each guide links to the IRS or other official sources it relies on. Last reviewed October 28, 2026.
HSA vs FSA: what’s the difference?
Two accounts, two very different sets of rules. Who owns the money, what happens to what you don’t spend, and why you usually can’t pair a regular FSA with an HSA.
Read the guideHow to transfer your HSA without surprise fees
Direct transfer or 60-day rollover? What the IRS limits, what it doesn’t, and the questions to ask your old provider before you move a dollar.
Read the guideShould you invest your HSA? Cash minimums explained
What “you need $X in cash before you can invest” really means, who sets that rule, and a simple way to think about how much cash to keep.
Read the guideHSA fees explained: monthly, investment, and transfer-out
Every fee an HSA can charge, in plain words, with a checklist for reading a provider’s fee schedule and finding the ones that matter for you.
Read the guide
Educational, not financial or tax advice. Ready to compare? Browse the provider directory or try the move calculator.