Decoding Your Work Benefits: LSA vs. HSA vs. FSA

Ever stared at your benefits packet like it's written in ancient hieroglyphics? LSA, HSA, FSA... it's like HR threw Scrabble tiles at a wellness retreat. Fear not, wellness warriors. These accounts are your secret weapons for tax-free fitness funding (hello, barre classes without the budget guilt). Let's break it down with zero jargon overload, plus how to snag Wellpass access through any of them.

The Players:

Picture these as prepaid envelopes for health stuff—deductibles, copays, and yes, gym memberships if your doc gives the nod.

• FSA (Flexible Spending Account): The "use it or lose it" party animal. Stuff it with up to $3,400 pre-tax in 2026. Covers almost anything medical, no high-deductible insurance needed. Downside? Unused cash vanishes by year-end (max $640 carryover if your employer allows). Perfect for predictable expenses like orthotics or that annual physical.
• HSA (Health Savings Account): The marathon runner—built for the long haul. Needs a high-deductible health plan (HDHP: min $1,700 self/$3,400 family deductible). Higher limits ($4,150 self/$8,300 family, +$1,000 catch-up at 55+). Funds roll over forever, grow tax-free, and they're yours to keep (invest 'em like a 401(k) for future you). Non-medical pulls? Penalty before 65.
• LSA (Limited Spending Account): The chill cousin (newer kid on the block). Like an FSA but often for specific perks—gym fees, coaching, even acupuncture. Employer sets it up; funds might roll over or not, depending on the plan. Super flexible for wellness without the HDHP hassle. Caps vary but think $500–$3,000 annually.​
   exonérée de charges sociales (depuis 2019)
  
  *https://www.patriotsoftware.com/blog/payroll/fsa-vs-hsa-what-s-the-difference/
  *https://www.wealthenhancement.com/blog/fsa-vs-hsa-which-one-is-better
  *https://www.joinforma.com/resources/lsa-fsa-hsa-comparison 

Quick Comparison:

Pro tip: You might layer FSA + HSA (FSA eats into HSA limit dollar-for-dollar), but skip double-dipping.​

Funding Your Wellpass Sweat Sessions: The Fun Part

All three reimburse qualified wellness expenses like Wellpass memberships (get a Letter of Medical Necessity from your doc linking fitness to health—easy peasy for preventive care). Here's the hack:

1. Enroll via your employer's benefits portal during open enrollment.
2. Log into your FSA/HSA/LSA app or card (e.g., via Fidelity or your bank's portal ).​
3. Submit Wellpass receipt/invoice as a claim—bam, reimbursed tax-free.
4. Pro move: Ask HR if Wellpass is pre-loaded as an approved vendor for instant debit card swipes.

No reimbursement roulette—Wellpass partners with most administrators for seamless claims. Check your benefits guide or ping HR: "Can I HSA this yoga sculpt class?" (Spoiler: Usually yes.)​

Your 2026 Game Plan: Maximize Without the Headache

• FSA fans: Front-load for glasses/contacts, spend the rest on Wellpass before Dec. 31—stock up on those interval runs!
• HSA heroes: Build that nest egg. Unused funds? Invest for retirement Zumba.
• LSA lovers: Pure wellness win—fund barre without dipping into FSA drama. 

Consult IRS.gov or your plan docs for the fine print (limits adjust yearly). Got a wild benefits story? Drop it in comments—we're all decoding this together.​

Sweat smarter, save bigger. Your Wellpass membership is waiting—tax-free!