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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 16, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<div id="block_6e2d1b6b8b4d4e232e57341ff0d8073a" class="key-takeaways sm:border-l-4 border-(var(--accent)) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
    <!-- htmlmin:ignore --></p>
<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4">
    <span class="shrink-0">Control de clave</span><br />
        <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(var(--accent)) max-sm:rounded-full max-sm:block"></span><br />
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<ul class="flex flex-col text-gray-700 mb-0 gap-2 list-none">
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Una cuenta de pago flexible (FSA) es una cuenta con ventajas de impuestos patrocinada por el empleador que se utiliza para respaldar los gastos de atención médica o de atención dependientes elegibles.</p>
</li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Las contribuciones de la FSA se realizan con dólares ayer de impuestos, lo que potencialmente le ahorra un 30 por ciento en gastos calificados.</p>
</li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Puede contribuir hasta $ 3,300 a una FSA de atención médica y $ 5,000 a una FSA de atención dependiente en 2025.</p>
</li>
<li class="pl-4 relative before:content-('•') before:right-full before:absolute before:text-(var(--accent))">
<p>                                                            Los fondos de la FSA generalmente deben ser utilizados para el final del año del plan o se pierden (&#8220;úselo o pierda&#8221;).
                                                </li>
</ul>
</div>
<p>Una cuenta de pago flexible (FSA) es una cuenta de ahorros con ventajas de impuestos que le permite reservar dólares ayer de impuestos para respaldar los gastos de atención médica o de atención dependientes elegibles. A diferencia de una cuenta de peculio de lozanía (HSA), una FSA es patrocinada por el empleador y propiedad, lo que lo convierte en un beneficio atractivo para los empleados que buscan ceñir sus ingresos imponibles mientras cubren los costos de faltriquera.</p>
<p>Una FSA tiene más sentido si tiene gastos de atención médica o atención dependientes predecibles, desea ceñir sus ingresos imponibles actuales y se siente cómodo con el requisito de &#8220;úselo o pierda&#8221;.</p>
<h2 data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Banking, Savings" data-position="h2_second_placement" data-name="h2_second_placement" data-text="What is an FSA?" data-outcome="">
<span id="what-is" data-table-of-contents-category="what-is" aria-hidden="true"></span>¿Cómo funciona una cuenta de pago flexible?</h2>
<p>Cuando se inscribe en una FSA a través de su empleador, decide cuánto contribuir para el año durante la inscripción abierta. Esta cantidad se divide por igual en sus cheques de cuota y se deduce ayer de que se calculen los impuestos, reduciendo sus ingresos imponibles generales.</p>
<p>Así es como funciona el proceso:</p>
<ul>
<li>
<strong>Inscripción:</strong> Usted elige su monto de contribución anual durante el período de inscripción abierta de su empleador, hasta los límites federales.</li>
<li>
<strong>Fondos:</strong> El monto seleccionado se deduce automáticamente de cada cheque de cuota ayer de los impuestos, proporcionando ahorros fiscales inmediatos.</li>
<li>
<strong>Paso:</strong> Puede usar fondos FSA durante todo el año para gastos elegibles, incluso si aún no ha contribuido con el monto total.</li>
<li>
<strong>Reembolso:</strong> Envíe recibos para gastos calificados para tomar un reembolso o use una maleable de débito FSA si su empleador proporciona uno.</li>
</ul>
<p>Según el software federal de la FSA, los participantes ahorran un promedio de 30 por ciento en gastos de atención médica correcto a las ventajas fiscales.</p>
<div class="MarketMavenQuote">
<div class="">
<div>
<blockquote>
<p>                Recomiendo estimar sus costos de atención médica del año aludido como punto de partida para su contribución de FSA. Agregue gastos como copagos recetados, limpiezas dentales y exámenes de visión. Es mejor ser un poco conservador ya que los fondos no utilizados generalmente se pierden a fin de año.</p>
<p class="mb-0">
                        <cite>&#8211; Hanna Horvath, CFP y editor jefe de Bankrate</cite>
                    </p>
</blockquote></div>
</p></div>
</div>
<h2>Tipos de cuentas de pago flexible</h2>
<p>Hay dos tipos principales de FSA, cada uno diseñado para diferentes categorías de gastos:</p>
<h3>Healthcare FSA (HCFSA)</h3>
<p>Una FSA de atención médica cubre los gastos médicos, dentales y de visión que su plan de seguro no pagan. Esto incluye:</p>
<ul>
<li>Medicamentos recetados y medicamentos de traspaso fugado (con fórmula)</li>
<li>Honradez y tratamientos dentales</li>
<li>Exámenes de visión y lentes o contactos recetados</li>
<li>Fisioterapia y equipo médico</li>
<li>Vendajes, kits de prueba de vergüenza y otros suministros médicos</li>
</ul>
<p><strong>Importante:</strong> No puede usar fondos FSA de atención médica para primas de seguro, solo califican los gastos de faltriquera.</p>
<h3>Cuidado dependiente FSA (DCFSA)</h3>
<p>Una FSA de atención dependiente ayuda a cubrir los gastos de cuidado de niños menores de 13 primaveras o dependientes adultos que no pueden cuidarse a sí mismos. Los gastos elegibles incluyen:</p>
<ul>
<li>Costos de jardín de infancia y preescolar</li>
<li>Cuidado ayer y luego de la escuela</li>
<li>Campamentos del día de verano (pero no campamentos durante la incertidumbre)</li>
<li>Jardín de infancia para adultos para dependientes calificados</li>
<li>Gastos de cuidado de niños que le permiten trabajar</li>
</ul>
<p>Para obtener una nómina completa de gastos elegibles, visite las pautas de elegibilidad de la FSA del IRS.</p>
<p>Además es posible ajar más de lo que está apto actualmente en la FSA para cubrir los gastos, siempre que las contribuciones establecidas se suman a esos gastos para fin de año.</p>
<p>Los empleadores asimismo pueden hacer contribuciones a la FSA de un empleado, hasta el final de contribución anual, aunque no se les exige.</p>
<h2>Límites de contribución de FSA para 2025</h2>
<p><strong>FSA de atención médica:</strong> Puede contribuir hasta $ 3,300 anuales. Si está casado, su cónyuge asimismo puede contribuir hasta $ 3,300 a su propia FSA.</p>
<p><strong>Cuidado dependiente FSA:</strong> La contribución máxima es de $ 5,000 por año para personas o parejas casadas que presentan conjuntamente.</p>
<p>Las contribuciones del empleador cuentan cerca de estos límites, aunque los empleadores no están obligados a contribuir a su FSA.</p>
<h3>¿Qué pasa con el patrimonio de la FSA no utilizado?</h3>
<p>Los FSA operan con una saco de &#8220;úsalo o perderlo&#8221;, lo que significa que los fondos no utilizados generalmente se pierden a fin de año. Sin confiscación, algunos empleadores ofrecen flexibilidad a través de:</p>
<ul>
<li>
<strong>Período de simpatía:</strong> Hasta 2.5 meses adicionales para usar los fondos restantes</li>
<li>
<strong>Opción de deslizamiento:</strong> Hasta $ 660 de fondos de la FSA de atención médica no utilizados pueden venir al próximo año</li>
</ul>
<p>Consulte con su área de medios humanos para comprender las políticas de FSA específicas de su empleador.</p>
<h2>FSA vs HSA: diferencias esencia</h2>
<p>Si aceptablemente ambas cuentas ofrecen ventajas fiscales para los gastos de atención médica, difieren significativamente:</p>
<div class="w-full overflow-x-auto">
<table class="Table Table--stripedOdd Table--spacing1 align-middle wrapped">
<thead>
<tr>
<th>Característica</th>
<th>FSA</th>
<th>HSA</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Propiedad</strong></td>
<td>Propiedad del empleador</td>
<td>Empleado</td>
</tr>
<tr>
<td><strong>Portabilidad</strong></td>
<td>Perdido al cambiar de trabajo</td>
<td>Se queda contigo</td>
</tr>
<tr>
<td><strong>Límites de contribución (2025)</strong></td>
<td>$ 3,300 (atención médica)</td>
<td>$ 4,300 (individual), $ 8,550 (grupo)</td>
</tr>
<tr>
<td><strong>Reinversión de fondos</strong></td>
<td>Definido o ningún</td>
<td>Ilimitado</td>
</tr>
<tr>
<td><strong>Ganancias de intereses</strong></td>
<td>No</td>
<td>Sí</td>
</tr>
<tr>
<td><strong>Elegibilidad</strong></td>
<td>Cualquier empleador que ofrezca FSA</td>
<td>Debe tener un plan de lozanía de detención deducible</td>
</tr>
</tbody>
</table>
</div>
<p>Obtenga más información sobre las diferencias entre un HSA y FSA. </p>
<h2>¿Puedes tener un FSA y HSA?</h2>
<p>En común, no puede tener una FSA de atención médica y HSA simultáneamente. La excepción es un FSA de propósito definido, que solo cubre los gastos dentales y de visión y puede complementar un HSA.</p>
<p>Esta combinación funciona aceptablemente si anticipa costos dentales o de visión significativos que podrían exceder su saldo de HSA, lo que le permite respaldar estos gastos incluso ayer de financiar completamente su HSA.</p>
<div id="block_48f732ff7dbd45a1c470ed31db10f8e5" class="flex flex-col gap-8 my-6">
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<p>    Pros<br />
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<ul class="ProsAndConsItem-list">
<li>Las contribuciones de la FSA reducen sus ingresos imponibles y no están sujetas a impuestos de paga, proporcionando ahorros inmediatos.</li>
<li>Puede usar su asignación anual completa de FSA inmediatamente, incluso si aún no ha contribuido con la cantidad total.</li>
<li>Algunos empleadores contribuyen a los FSA del empleado, aunque esto no es necesario.</li>
<li>Las deducciones de paga regulares lo ayudan a presupuestar los gastos de atención médica durante todo el año.</li>
</ul></div>
<div class="ProsAndConsItem">
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                <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/remove-circle.2b2637.svg" alt="Círculo rojo con una x interior">
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<li>Los fondos no utilizados generalmente se pierden a fin de año, lo que requiere una planificación cuidadosa.</li>
<li>Los fondos de la FSA no se pueden trastornar y no ganan intereses.</li>
<li>Usted pierde los fondos de la FSA si deja a su empleador, ya que la cuenta no es portátil.</li>
<li>Debe osar su monto de contribución durante la inscripción abierta y generalmente no puede cambiarlo a mediados de año.</li>
</ul></div>
</div></div>
<h2>Final</h2>
<p>Una cuenta de pago flexible puede ser una útil valiosa para encargar los costos de atención médica y de atención dependiente al tiempo que reduce su carga fiscal. La esencia es estimar con precisión sus gastos anuales para maximizar los beneficios sin perder fondos no utilizados.</p>
<p>Si prefiere más opciones de flexibilidad e inversión, considere si califica para un HSA en su motivo. Para aquellos con gastos predecibles y la disciplina para usar fondos internamente del año del plan, una FSA ofrece ahorros fiscales inmediatos y papeleo conveniente de gastos.</p>
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-02-18T18:56:15+00:00" >February 18, 2026</time></span>                                                                                                        </span>
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<!-- sc5a72ec-6130f6 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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