FSA vs. HRA for 2 years

Come Monday, I might have my very first full time Job. But, I'll only be able to stay at that job for two years. My annual in income would be (roughly) $30,000. So not alot to live off of when you factor in I want to save money for my 401K, getting my first car, and hopefully money to put toward moving out or out of state.

I have no idea what FSA or HRA is. I just know my employer offers both but with FSA, it sounds like money is taken out of each paycheck I get, while HRA sounds like nothing gets taken from my checks and my employers pay for everything which would be free money…..but that sounds to good to be true.

I'm from a poor household so we usually have always avoided going to the doctor other than the annual physical and eye check. Other than that, we (I) never go unless it's ER need antibiotics b/c I'm on deaths door step worth. I plan to keep things that way BUT it would be nice to go with a plan that would allow me to start going to therapy if possible.

So….thoughts? P.S. Currently I have no health insurance.

submitted by /u/Glittering_Pixie_8
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