Ace Your 2026 Chiropractic Business Midterm – Dive into Success with Confidence!

Rollover and ownership of funds for medical expenses are the key ideas. The health savings account is owned by you, funded with pre-tax contributions, and the balance carries over year to year without a use-it-or-lose-it rule. You can keep the money even if you change jobs or plans, and you can invest it for growth, as long as you’re enrolled in a high-deductible health plan. Flexible spending accounts often require spending the money within the plan year (with limited rollovers), health reimbursement arrangements are typically employer-funded and not portable, and a health maintenance organization is a type of insurance plan, not an account. Therefore, the account that stays in your account until you use it is the health savings account.