Paying for health care can be challenging — but are you taking full advantage of all the resources available to you?

You might have access to a Health Savings Account or a Flexible Spending Account, so let’s look at both.

An HSA is a personal savings account used to pay health care costs. If you’re enrolled in a high-deductible health plan, you also may be eligible to contribute to an HSA. You aren’t taxed on the money you put into this account or on the earnings generated from your contributions, as long as withdrawals are used for qualified health care costs such as deductible...