Originally Posted by
WhiskeyDelta
Some ACPs were available prior to Obamacare, Flex Spending Accounts being one of them. HSAs as we know them today are only accessible with HSA plans meeting the minimum deductibles I posted above. That came into place with Obamacare. So, yes, we have it to thank.
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Specifically for an HSA, sure. However FSA's have been available for many years and can be used with a proper LDPPO or HMO insurance plan. The only significant difference is that the account must be spent annually so a bit more planning is required in terms of your contribution amounts..