Healthcare costs can be managed using three tax-advantaged accounts: HSAs, FSAs, and HRAs. HSAs require enrollment in a high-deductible health plan, offer tax-free growth and withdrawals for qualified expenses, and allow funds to roll over indefinitely. FSAs are employer-provided, have annual contribution limits, and typically use-it-or-lose-it funds. HRAs are employer-funded, with no employee contributions, and may allow fund rollovers. Each account has specific eligibility, contribution limits, and rules for qualified expenses. Keeping receipts is essential to avoid taxes or penalties.