First things first, let’s get down to basics-- both FSAs and HSAs let you set aside pre-tax money from your paycheck to cover eligible health-care expenses, meaning every dollar contributed is shielded from federal income tax. Depending on your particular tax bracket, that can easily translate to meaningful savings on medical costs throughout the year. Just last year for myself, my company’s plan allowed me to recoup a heavy chunk of change from a rather expensive root canal.

Truth be told, it pays to be protected – and proactive. Which is why stocking up on HSA and FSA-eligible items on GOVX is the way to go.