# [Health Insurance] 60, Flexible Spending Accounts and Health Reimbursement Arrangements

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-60-flexible-spending-accounts-and-health-reimbursement-arrangements
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-60-flexible-spending-accounts-and-health-reimbursement-arrangements.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-05-26T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/18b21639-02fe-4b3b-b9f4-437fa89ff04d.mp3
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Duration seconds: 186

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Flexible Spending Accounts (FSAs) are employee-funded, subject to a "use-it-or-lose-it" rule, with a 2026 maximum carryover of $680. - Health Reimbursement Arrangements (HRAs) are exclusively funded by the employer, and unused funds typically roll over without a limit. - A key exam distinction is ownership: FSAs and HRAs are employer-owned, while Health Savings Accounts (HSAs) are employee-owned and portable. - For 2026, the Health FSA contribution limit is $3,400, and the Dependent Care FSA limit is $7,500 per household. - Unlike HSAs, neither FSAs nor HRAs require an individual to be enrolled in a High-Deductible Health Plan (HDHP). For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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