What Is an HMO? How HMO Health Plans Work
An HMO is a health plan that covers care from a set network, usually through a primary care physician. Here's how HMO plans work, their pros and cons, and how they compare with PPO, EPO, and POS plans.
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News, insights and more from Flex
How Much Do Braces Cost? Average Prices by Type (2026)
Most braces cost $3,000 to $7,000 for full treatment. See average prices for metal, ceramic, lingual, and clear aligners, what dental insurance covers, and how payment plans work.
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Deductible vs. Out-of-Pocket Maximum: What's the Difference?
Your deductible is what you pay before your plan shares costs; your out-of-pocket maximum is the most you'll pay in a year. Here's how they work together.
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HMO vs PPO: Key Differences and How to Choose
HMO plans usually cost less but keep you in network; PPO plans cost more but add flexibility. Compare costs, referrals, and networks to choose the right plan.
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PPO vs HDHP: How to Choose the Right Health Plan
A PPO trades higher premiums for predictable costs; an HDHP trades lower premiums for a higher deductible and HSA access. Here's how to choose.
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What Is a Deductible? How It Works in Your Health Insurance
A deductible is what you pay for covered care each plan year before your health plan starts sharing costs. Here's how it works, what counts toward it, and how to choose one.
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What Is Coinsurance? How It Works, With Examples
Coinsurance is the share of a covered medical bill you pay after your deductible. Here's how it works, how to calculate it, and how it compares with a copay.
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EPO vs PPO: What's the Difference and Which Fits You?
An EPO covers only in-network care but usually costs less; a PPO costs more but pays part of out-of-network care. Here's how to choose.
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Can Your Morning Coffee Be HSA/FSA Eligible?
Your HSA/FSA may cover more of your daily routine than you think, including Vivi Longevity Coffee+ for qualifying customers. Here's how eligibility works.
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Can You Use an HSA or FSA for Acupuncture? (2026 Guide)
Acupuncture is a qualified medical expense. Here's what your HSA or FSA covers, what usually isn't eligible, and how to pay a licensed acupuncturist.
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HSA Eligibility Expansion 2026: Bronze Plans, Direct Primary Care, and Telehealth
Starting in 2026, bronze and catastrophic plans count as HSA-eligible, direct primary care memberships no longer block HSA contributions, and pre-deductible telehealth is permanently allowed. Here's who can contribute now and the 2026 and 2027 limits.
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Sample Letter of Medical Necessity for HSA/FSA (With Template)
A sample Letter of Medical Necessity for HSA/FSA purchases, the key components providers include, and how to get an LMN.
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HSA Eligible Items List (2026): 200+ Expenses Your HSA Can Cover
A category-by-category list of 200+ HSA eligible items and expenses for 2026, plus the HSA-only rules: insurance premiums an HSA can pay, who you can spend it on, and what records to keep.
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Can You Use an HSA or FSA for a Chiropractor? (2026 Guide)
Chiropractic care is a qualified medical expense. Here's what your HSA or FSA covers, when you need a Letter of Medical Necessity, and how to pay.
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Flexible Spending Account (FSA): The Ultimate Guide
Everything you need to know about flexible spending accounts: how FSAs lower your taxes, healthcare vs. dependent care FSAs, eligible expenses, key rules and deadlines, and how to spend your funds strategically.
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How Dermstore Turned HSA/FSA Payments Into a Growth Channel With Flex
When Dermstore saw customers actively searching for ways to use HSA/FSA funds on skincare, it partnered with Flex to turn that demand into a seamless payment experience. The result: 43% higher AOV, 30% of Flex customers new to Dermstore, and HSA/FSA purchases contributing up to 22% of revenue during peak periods.
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How to Pay for Anxiety / Stress Relief with Your HSA/FSA
Anxiety / Stress Relief is often HSA/FSA eligible with a Letter of Medical Necessity. See what qualifies, which conditions count, and how to pay with pre-tax dollars at checkout.
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How to Pay for Hair Removal / IPL with Your HSA/FSA
Hair removal and at-home IPL can become HSA/FSA eligible with a Letter of Medical Necessity for qualifying conditions. See what qualifies and how to pay.
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How to Pay for Sleep Aids with Your HSA/FSA
Sleep Aids are often HSA/FSA eligible with a Letter of Medical Necessity. See what qualifies, which conditions count, and how to pay with pre-tax dollars at checkout.
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Are Massage Guns HSA/FSA Eligible? (& How to Buy One)
Massage guns can be HSA/FSA eligible for qualifying customers, and most clear at checkout. See which conditions qualify and how to pay with Flex.
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Are Male Fertility Tests & Supplements HSA/FSA Eligible?
At-home sperm tests often clear at checkout, while fertility supplements need a Letter of Medical Necessity. See what qualifies and how to pay with Flex.
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Gym Membership Cost 2026: Prices for 12 Major Gyms + the Cheapest Options
Most gym memberships cost $30 to $70 a month in 2026. Compare prices, fees, and contracts at 12 major gyms, find the cheapest gym membership, and learn when an HSA or FSA can cover it.
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HSA Overcontributions: What Happens and How To Fix Them
Find out what an HSA overcontribution is, how to correct it without penalties, and what the consequences are for leaving the excess amount in the account.
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Health Savings Account Strategy: How to Save, Invest, and Spend Smarter
Learn the top HSA strategies for saving money, investing funds, maximizing reimbursements, and spending on eligible wellness products while reducing taxes.
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How The Pause Life Enabled HSA/FSA Subscriptions and Grew AOV 52% with Flex
When The Pause Life wanted to let customers pay with HSA/FSA funds, including on subscriptions, it chose Flex. The result: a 52% higher AOV on HSA/FSA orders, checkout completion above 80%, and a seamless experience for customers and internal teams alike.
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9 Best Red Light Therapy Devices (That Are Also HSA/FSA Eligible)
Compare the 9 best red light therapy devices, their benefits, and how to determine if you're eligible to buy RLT devices using your HSA or FSA funds.
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How To Make the Most of HSA Catch-Up Contributions
Learn what HSA catch-up contributions are, how they work, and how you can leverage them to maximize your healthcare funds and save on medical expenses.
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Is Melatonin HSA/FSA Eligible? (& Where to Buy It)
Learn when melatonin can be HSA/FSA eligible, why an LMN is typically needed, what makes it eligible, how to qualify, and how to purchase it conveniently.
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8 Best Super Greens Powders (That Are Also HSA/FSA Eligible)
Learn how super greens powder works, tips to get the best results, and compare the leading super greens powders so you can find the right fit for you.
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10 Best Period Underwear (That Are Also HSA/FSA Eligible)
Compare the 10 best period underwear, their health and cost benefits, and how to determine if you’re eligible to buy them using your HSA or FSA funds.
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Is Toothpaste HSA or FSA Eligible? (And How to Buy It)
Understand why toothpaste doesn’t automatically qualify as HSA or FSA eligible, and what qualifying conditions and documentation can make it eligible.
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The Flex Shopify Marketing App: Product Eligibility Sync, Dynamic Badges, Smart Collections & HSA/FSA Landing Pages
The rebuilt Flex Shopify Marketing App syncs HSA/FSA product eligibility from Flex to the Shopify admin, adds dynamic product badges, and lets you build a dedicated HSA/FSA landing page from pre-built blocks—no custom development needed.
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