Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
An Archer Medical Savings Account (MSA) is available to which of the following?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
An Archer MSA is a tax-advantaged savings arrangement available to self-employed individuals and employees of small employers who are enrolled in a high-deductible health plan. It is one of the four CDHP models, HRA, MSA, HDHP+HSA, and FSA, listed in the A&H examination objectives. Funds accumulate tax-free and are used to pay qualified medical expenses, and amounts not spent remain in the account.
Why the other options are wrong
- B) Archer MSAs are not tied to Medicare; Medicare beneficiaries use Medigap, Medicare Advantage, or Part D, not Archer MSAs.
- C) Archer MSAs are limited to self-employed individuals and employees of small employers, not employees of large employers.
- D) A state Marketplace is the exchange for Qualified Health Plans; buying a plan there does not create Archer MSA eligibility.
Memory hook
Archer MSA = self-employed and small-firm workers with a high-deductible plan. Small players only.