An advantage to HRAs and FSAs is that

A. employees can accumulate savings with tax deferred until they take the money out at retirement.
B. there is no limit to the dollar amount that can be put in those accounts or what the money can be spent on.
C. employees pay income tax on the money as it goes into the account, but then it grows tax free until retirement.
D. employees do not have to pay income tax on money received from their employers through these accounts.


Answer: D

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