HSA
A Health Savings Account (HSA) is a tax-advantaged savings plan which helps individuals reduce health care costs by combining a high deductible health plan (HDHP). Funds accumulate until you need them on a tax-free basis.
ESA
A Coverdell Education Savings Account (ESA) is a way to save for a child or beneficiary’s qualified education expenses on a tax-free basis. Contributions are not tax-deductible, but the earnings grow tax-free.