Luis: When can you start? side effects of eriacta 100 Though often confused with flexible spending accounts, HSAs are different because the money does not expire at the end of the year and the account stays with you even if you change jobs or retire. Participants choose a financial institution from a large roster to hold the account, and can allocate the money as they wish. Also, the contributions allowed are much greater - $6,450 per family versus $2,500 for FSAs.