Insurance Exam Prep
Ran Chen, EA, CFP®
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[Health Insurance] 60, Flexible Spending Accounts and Health Reimbursement Arrangements
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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