Flexible spending accounts (FSAs), also known as Heath Savings Accounts (HSAs) are the very best way to pay for your LASIK or other laser vision procedures. Thousands of companies offer their employees this versatile but underutilized benefit.

Your employer-sponsored FSA plan uses pre-tax income to pay for medical-related costs. You create an interest-free LASIK financing program for yourself by taking a portion of your salary each month and automatically depositing it into a tax-free FSA account.

When you are ready for your LASIK procedure, the money is available for your use, and you don’t need to worry about paying interest on a loan. Most flex plans even allow you to spend the money at any time during the plan year — before you have accumulated the full amount in your account. This “pre-payment” allows you to have the procedure much sooner.