Medical insurance helps to reduce the cost of medical care but there are sometimes accounts added to those plans (or offered separately) to assist with the remaining costs. HRAs, FSAs, and HSAs are all accounts that are paired with your health insurance to help give you some additional help with your health expenses. You and/or your company contribute to the account with pre-tax money and when you spend it, it is also tax free. That’s going to help quite a bit if you have an upcoming procedure or if you or your spouse are having a baby. Pre-tax allows you to save a lot of money on expensive procedures, so these accounts are highly encouraged. So what is the difference?