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Health Care Spending Accounts

Tax-free funding for your healthcare expenses

Along with a wide range of health plans, you have these tax-free funding options for paying for some healthcare expenses and budgeting for the future.
Health Savings Account

Health Savings Account (HSA)

Budget for healthcare expenses with tax-free money and save for future needs, since funds can continue to accumulate and earn interest tax-free. The HSA is only available with a qualified high-deductible health plan.
Personal Care Account

Personal Care Account (PCA)

Your employer puts money in an “expense account” to help you offset a portion of your healthcare costs. A PCA is combined with a Preferred Provider Organization (PPO) plan.
Flexible Spending Account

Flexible Spending Account (FSA)

Set aside tax-free money for healthcare and dependent care. Taken as a pre-tax payroll deduction, an FSA can be used for certain expenses not covered by health benefits.

Along with a healthcare FSA, you may have the option of opening a dependent care FSA to pay for childcare and adult care services.
HumanaAccess Card

HumanaAccessSM Visa® Debit Card)

With all three spending accounts, it’s easy to use your funds with the HumanaAccess Card.

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