You're mistaken, but it's an easy mistake to make. There's an alphabet soup of FSA/LPFSA/HSA/DCFSA options. An HSA is truly your own savings account, owned by

You're mistaken, but it's an easy mistake to make. There's an alphabet soup of FSA/LPFSA/HSA/DCFSA options. An HSA is truly your own savings account, owned by you (just like any other savings account), regardless of where contributions come from.