{"id":25649,"date":"2026-06-21T06:12:28","date_gmt":"2026-06-21T06:12:28","guid":{"rendered":"https:\/\/umang.pk\/2026\/06\/21\/%d8%a7%d8%a8-%d8%a2%d9%be-fitbit-air-%d8%ae%d8%b1%db%8c%d8%af%d9%86%db%92-%da%a9%db%92-%d9%84%db%8c%db%92-%d8%a7%d9%be%d9%86%db%92-hsa-fsa-%d9%81%d9%86%da%88%d8%b2-%d8%a7%d8%b3%d8%aa%d8%b9%d9%85%d8%a7\/"},"modified":"2026-06-21T06:12:30","modified_gmt":"2026-06-21T06:12:30","slug":"%d8%a7%d8%a8-%d8%a2%d9%be-fitbit-air-%d8%ae%d8%b1%db%8c%d8%af%d9%86%db%92-%da%a9%db%92-%d9%84%db%8c%db%92-%d8%a7%d9%be%d9%86%db%92-hsa-fsa-%d9%81%d9%86%da%88%d8%b2-%d8%a7%d8%b3%d8%aa%d8%b9%d9%85%d8%a7","status":"publish","type":"post","link":"https:\/\/umang.pk\/ur\/2026\/06\/21\/%d8%a7%d8%a8-%d8%a2%d9%be-fitbit-air-%d8%ae%d8%b1%db%8c%d8%af%d9%86%db%92-%da%a9%db%92-%d9%84%db%8c%db%92-%d8%a7%d9%be%d9%86%db%92-hsa-fsa-%d9%81%d9%86%da%88%d8%b2-%d8%a7%d8%b3%d8%aa%d8%b9%d9%85%d8%a7\/","title":{"rendered":"\u0627\u0628 \u0622\u067e Fitbit Air \u062e\u0631\u06cc\u062f\u0646\u06d2 \u06a9\u06d2 \u0644\u06cc\u06d2 \u0627\u067e\u0646\u06d2 HSA\/FSA \u0641\u0646\u0688\u0632 \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u06a9\u0631 \u0633\u06a9\u062a\u06d2 \u06c1\u06cc\u06ba\u06d4"},"content":{"rendered":"\n<p>\n            <span class=\"block sm:inline\">\u06c1\u0645 \u0627\u0633 \u0635\u0641\u062d\u06c1 \u06a9\u06d2 \u0644\u0646\u06a9\u0633 \u0633\u06d2 \u06a9\u0645\u06cc\u0634\u0646 \u06a9\u0645\u0627 \u0633\u06a9\u062a\u06d2 \u06c1\u06cc\u06ba\u06d4<\/span>\n    <\/p>\n<div id=\"\">\n<hr class=\"custom-gradient-background my-6 h-[6px] max-w-[75px] border-0\"\/>\n<p>\u06af\u0648\u06af\u0644 \u06a9\u0627 \u0646\u06cc\u0627 <u>fitbit \u06c1\u0648\u0627<\/u> \u06c1\u0645 \u0628\u0627\u0636\u0627\u0628\u0637\u06c1 \u0637\u0648\u0631 \u067e\u0631 \u0627\u06c1\u0644 \u0635\u0627\u0631\u0641\u06cc\u0646 \u06a9\u0648 HSA\/FSA \u0633\u0679\u06cc\u0679\u0633 \u067e\u06cc\u0634 \u06a9\u0631\u062a\u06d2 \u06c1\u06cc\u06ba\u060c \u062c\u0633 \u0633\u06d2 \u0627\u0646\u06c1\u06cc\u06ba \u0627\u0646 \u06a9\u06cc \u067e\u0631\u06cc \u0679\u06cc\u06a9\u0633 \u06c1\u06cc\u0644\u062a\u06be \u0628\u0686\u062a \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u06a9\u0631\u0646\u06d2 \u06a9\u06d2 \u0645\u0632\u06cc\u062f \u0637\u0631\u06cc\u0642\u06d2 \u0645\u0644\u062a\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0644\u06cc\u06a9\u0646 \u0627\u0633 \u0633\u06d2 \u067e\u06c1\u0644\u06d2 \u06a9\u06c1 \u0622\u067e \u0686\u06cc\u06a9 \u06a9\u0631\u0646\u06d2 \u06a9\u06d2 \u0644\u06cc\u06d2 \u062c\u0644\u062f\u06cc \u06a9\u0631\u06cc\u06ba\u060c \u06cc\u06c1 \u0633\u0645\u062c\u06be\u0646\u0627 \u0645\u062f\u062f\u06af\u0627\u0631 \u06c1\u06d2 \u06a9\u06c1 HSA \u0627\u0648\u0631 FSA \u06a9\u06cc \u0627\u06c1\u0644\u06cc\u062a \u062f\u0631\u062d\u0642\u06cc\u0642\u062a \u067e\u06c1\u0646\u0646\u06d2 \u06a9\u06d2 \u0642\u0627\u0628\u0644 \u067e\u0631 \u06a9\u06cc\u0633\u06d2 \u0644\u0627\u06af\u0648 \u06c1\u0648\u062a\u06cc \u06c1\u06d2\u06d4 \u06a9\u06cc\u0648\u0646\u06a9\u06c1 \u0632\u06cc\u0627\u062f\u06c1 \u062a\u0631 \u0622\u0644\u0627\u062a \u067e\u0631 \u06cc\u06c1 \u0622\u067e \u06a9\u06d2 \u062e\u06cc\u0627\u0644 \u0633\u06d2 \u06a9\u06c1\u06cc\u06ba \u0632\u06cc\u0627\u062f\u06c1 \u067e\u06cc\u0686\u06cc\u062f\u06c1 \u06c1\u06d2\u06d4<\/p>\n<div class=\"pogoClear mb-12 mt-10 rounded-md border-2 border-gray-100 py-7 shadow-xl md:py-6\">\n<div class=\"flex flex-wrap justify-between px-7 text-black no-underline md:flex-nowrap md:px-8\">\n<div class=\"order-2 mt-5 h-auto w-full md:order-1 md:mt-0 md:hidden\">\n<div class=\"flex aspect-video items-center justify-center\"><\/div>\n<\/p><\/div>\n<div class=\"order-2 ml-2 hidden w-32 shrink-0 items-center md:order-1 md:ml-0 md:flex\">\n<div class=\"flex aspect-video items-center justify-center\">\n                                            <img decoding=\"async\" class=\"m-0 max-h-full max-w-full rounded-md\" src=\"https:\/\/umang.pk\/wp-content\/uploads\/2026\/06\/\u0627\u0628-\u0622\u067e-Fitbit-Air-\u062e\u0631\u06cc\u062f\u0646\u06d2-\u06a9\u06d2-\u0644\u06cc\u06d2-\u0627\u067e\u0646\u06d2-HSAFSA-\u0641\u0646\u0688\u0632.jpg\" alt=\"Google Fitbit Air - \u0641\u0679\u0646\u0633\u060c \u062f\u0644 \u06a9\u06cc \u062f\u06be\u0691\u06a9\u0646 \u0627\u0648\u0631 \u0646\u06cc\u0646\u062f \u0633\u06d2 \u0628\u0627\u062e\u0628\u0631 \u0631\u06c1\u0646\u06d2 \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0627\u0633\u06a9\u0631\u06cc\u0646 \u0633\u06d2 \u067e\u0627\u06a9 \u0627\u06cc\u06a9\u0679\u06cc\u0648\u06cc\u0679\u06cc \u0679\u0631\u06cc\u06a9\u0631 - \u0630\u0627\u062a\u06cc \u0646\u0648\u0639\u06cc\u062a \u06a9\u06cc AI \u0633\u06d2 \u0686\u0644\u0646\u06d2 \u0648\u0627\u0644\u06cc \u06a9\u0648\u0686\u0646\u06af - 7 \u062f\u0646 \u062a\u06a9 \u06a9\u06cc \u0628\u06cc\u0679\u0631\u06cc \u0644\u0627\u0626\u0641 - iOS \u0627\u0648\u0631 Android \u067e\u0631 \u06a9\u0627\u0645 \u06a9\u0631\u062a\u06cc \u06c1\u06d2 - Berry\" width=\"auto\" height=\"auto\" loading=\"lazy\" title=\"\">\n                                    <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<h2 id=\"how-fsa-and-hsa-eligibility-works-for-wearables\">FSA \u0627\u0648\u0631 HSA \u06a9\u06cc \u0627\u06c1\u0644\u06cc\u062a \u067e\u06c1\u0646\u0646\u06d2 \u06a9\u06d2 \u0642\u0627\u0628\u0644 \u0622\u0644\u0627\u062a \u067e\u0631 \u06a9\u06cc\u0633\u06d2 \u0644\u0627\u06af\u0648 \u06c1\u0648\u062a\u06cc \u06c1\u06d2\u06d4<\/h2>\n<p>\u06c1\u06cc\u0644\u062a\u06be \u0633\u06cc\u0648\u0646\u06af \u0627\u06a9\u0627\u0624\u0646\u0679\u0633 \u0627\u0648\u0631 \u0644\u0686\u06a9\u062f\u0627\u0631 \u0627\u062e\u0631\u0627\u062c\u0627\u062a \u06a9\u06d2 \u0627\u06a9\u0627\u0624\u0646\u0679\u0633 \u0622\u067e \u06a9\u0648 \u0627\u06c1\u0644 \u0637\u0628\u06cc \u0627\u062e\u0631\u0627\u062c\u0627\u062a \u06a9\u06cc \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u06a9\u06d2 \u0644\u06cc\u06d2 \u0679\u06cc\u06a9\u0633 \u0633\u06d2 \u067e\u06c1\u0644\u06d2 \u06a9\u06cc \u0631\u0642\u0645 \u0627\u0644\u06af \u06a9\u0631\u0646\u06d2 \u06a9\u06cc \u0627\u062c\u0627\u0632\u062a \u062f\u06cc\u062a\u06d2 \u06c1\u06cc\u06ba\u06d4 IRS \u0627\u0633 \u0628\u0627\u062a \u06a9\u0627 \u062a\u0639\u06cc\u0646 \u06a9\u0631\u062a\u0627 \u06c1\u06d2 \u06a9\u06c1 \u0627\u0635\u0644 \u0637\u0628\u06cc \u062e\u0631\u0686 \u06a9\u06cc\u0627 \u0633\u0645\u062c\u06be\u0627 \u062c\u0627\u062a\u0627 \u06c1\u06d2\u060c \u0627\u0648\u0631 \u062a\u0627\u0631\u06cc\u062e\u06cc \u0637\u0648\u0631 \u067e\u0631\u060c \u0641\u0679\u0646\u0633 \u0679\u0631\u06cc\u06a9\u0631\u0632 \u0627\u0648\u0631 \u0633\u0645\u0627\u0631\u0679 \u0648\u0627\u0686\u0632 \u0646\u06d2 \u0627\u067e\u0646\u06d2 \u0637\u0648\u0631 \u067e\u0631 \u067e\u06cc\u0633\u06d2 \u0646\u06c1\u06cc\u06ba \u0628\u0686\u0627\u0626\u06d2 \u06c1\u06cc\u06ba\u06d4 IRS \u0646\u06d2 \u0641\u06cc\u0635\u0644\u06c1 \u062f\u06cc\u0627 \u06a9\u06c1 \u0627\u0633 \u0642\u0633\u0645 \u06a9\u06d2 \u0622\u0644\u0627\u062a \u0639\u0627\u0645 \u0637\u0648\u0631 \u067e\u0631 &quot;\u0639\u0627\u0645 \u0635\u062d\u062a&#8221; \u06a9\u0648 \u0641\u0631\u0648\u063a \u062f\u06cc\u0646\u06d2 \u06a9\u06d2 \u0644\u06cc\u06d2 \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u06a9\u06cc\u06d2 \u062c\u0627\u062a\u06d2 \u06c1\u06cc\u06ba\u060c \u0646\u06c1 \u06a9\u06c1 \u0645\u062e\u0635\u0648\u0635 \u0628\u06cc\u0645\u0627\u0631\u06cc\u0648\u06ba \u06a9\u06d2 \u0639\u0644\u0627\u062c \u06cc\u0627 \u0646\u06af\u0631\u0627\u0646\u06cc \u06a9\u06d2 \u0644\u06cc\u06d2\u06d4 \u0627\u0633 \u06a9\u0627 \u0639\u0627\u0645 \u0637\u0648\u0631 \u067e\u0631 \u0645\u0637\u0644\u0628 \u06cc\u06c1 \u06c1\u06d2 \u06a9\u06c1 \u06cc\u06c1 \u0622\u0644\u06c1 \u0642\u0627\u0628\u0644 \u0637\u0628\u06cc \u0627\u062e\u0631\u0627\u062c\u0627\u062a \u06a9\u06d2 \u0645\u0639\u06cc\u0627\u0631 \u067e\u0631 \u067e\u0648\u0631\u0627 \u0646\u06c1\u06cc\u06ba \u0627\u062a\u0631\u062a\u0627 \u06c1\u06d2\u06d4<\/p>\n<p>FSA \u0627\u0633\u0679\u0648\u0631 \u06a9\u06cc \u0627\u06c1\u0644\u06cc\u062a \u06a9\u06cc \u0641\u06c1\u0631\u0633\u062a \u06a9\u06d2 \u0645\u0637\u0627\u0628\u0642\u060c \u067e\u06c1\u0646\u0646\u06d2 \u06a9\u06d2 \u0642\u0627\u0628\u0644 \u0622\u0644\u0627\u062a \u0627\u0633 \u0648\u0642\u062a \u0627\u06c1\u0644 \u06c1\u0648\u062a\u06d2 \u06c1\u06cc\u06ba \u062c\u0628 \u0627\u0646\u06c1\u06cc\u06ba \u06a9\u0633\u06cc \u0645\u062e\u0635\u0648\u0635 \u0628\u06cc\u0645\u0627\u0631\u06cc \u06a9\u06d2 \u0639\u0644\u0627\u062c \u06cc\u0627 \u0646\u06af\u0631\u0627\u0646\u06cc \u06a9\u06d2 \u0644\u06cc\u06d2 \u062f\u0631\u06a9\u0627\u0631 \u06c1\u0648\u062a\u0627 \u06c1\u06d2 \u0646\u06c1 \u06a9\u06c1 \u0635\u0631\u0641 \u0639\u0627\u0645 \u0635\u062d\u062a \u06a9\u06d2 \u0644\u06cc\u06d2\u06d4 \u06cc\u06c1 \u0648\u06c1 \u062c\u06af\u06c1 \u06c1\u06d2 \u062c\u06c1\u0627\u06ba \u0622\u067e \u06a9\u0627 &quot;\u0637\u0628\u06cc \u0636\u0631\u0648\u0631\u062a \u06a9\u0627 \u062e\u0637&#8221; \u0622\u062a\u0627 \u06c1\u06d2\u06d4<\/p>\n<h2 id=\"what-is-a-letter-of-medical-necessity\">\u0637\u0628\u06cc \u0636\u0631\u0648\u0631\u062a \u06a9\u0627 \u062e\u0637 \u06a9\u06cc\u0627 \u06c1\u06d2\u061f<\/h2>\n<p>\u0637\u0628\u06cc \u0636\u0631\u0648\u0631\u062a \u06a9\u0627 \u0646\u0648\u0679\u0633 (LMN) \u0628\u0646\u06cc\u0627\u062f\u06cc \u0637\u0648\u0631 \u067e\u0631 \u0688\u0627\u06a9\u0679\u0631 \u06a9\u0627 \u0627\u06cc\u06a9 \u0646\u0648\u0679 \u06c1\u06d2 \u062c\u0648 IRS \u06a9\u06d2 \u0631\u06c1\u0646\u0645\u0627 \u062e\u0637\u0648\u0637 \u06a9\u06d2 \u062a\u062d\u062a \u0628\u0639\u0636 \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc\u0648\u06ba \u06a9\u0648 \u0627\u06c1\u0644 \u0637\u0628\u06cc \u0627\u062e\u0631\u0627\u062c\u0627\u062a \u06a9\u06d2 \u0637\u0648\u0631 \u067e\u0631 \u062f\u0631\u062c\u06c1 \u0628\u0646\u062f\u06cc \u06a9\u0631\u062a\u0627 \u06c1\u06d2\u06d4 \u0627\u0633\u06d2 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\u06a9\u06d2 \u0645\u0646\u062a\u0638\u0645 \u06a9\u06d2 \u067e\u0627\u0633 \u062c\u0645\u0639 \u06a9\u0631\u0627\u062a\u06d2 \u06c1\u06cc\u06ba\u060c \u062a\u0648 \u0622\u067e \u06a9\u06cc \u067e\u06c1\u0646\u0646\u06d2 \u06a9\u06d2 \u0642\u0627\u0628\u0644 \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc \u06a9\u0648 \u0632\u06cc\u0627\u062f\u06c1 \u062a\u0631 \u0645\u0645\u06a9\u0646\u06c1 \u0637\u0648\u0631 \u067e\u0631 \u0645\u0639\u0627\u0648\u0636\u06d2 \u06a9\u06d2 \u0644\u06cc\u06d2 \u0645\u0646\u0638\u0648\u0631 \u06a9\u0631 \u0644\u06cc\u0627 \u062c\u0627\u0626\u06d2 \u06af\u0627\u06d4<\/p>\n<p>\u062c\u0628 LMN \u0633\u06cc\u06a9\u06cc\u0648\u0631\u0679\u06cc \u06a9\u06cc \u0628\u0627\u062a \u0622\u062a\u06cc \u06c1\u06d2\u060c \u062a\u0648 \u0622\u067e \u06a9\u0648 \u0688\u0627\u06a9\u0679\u0631 \u06a9\u06cc \u0627\u067e\u0627\u0626\u0646\u0679\u0645\u0646\u0679 \u0644\u06cc\u0646\u06d2 \u06a9\u06cc \u0628\u06be\u06cc \u0636\u0631\u0648\u0631\u062a \u0646\u06c1\u06cc\u06ba 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FSA\/HSA \u06a9\u0627\u0631\u0688\u0632 \u0642\u0628\u0648\u0644 \u06a9\u0631\u062a\u06d2 \u06c1\u06cc\u06ba\u060c \u0627\u0648\u0631 Google \u0627\u0633\u0679\u0648\u0631 \u0628\u06be\u06cc \u062a\u0635\u062f\u06cc\u0642 \u0634\u062f\u06c1 \u0627\u06c1\u0644\u06cc\u062a \u06a9\u06cc \u062d\u06cc\u062b\u06cc\u062a \u06a9\u06cc \u0628\u0646\u06cc\u0627\u062f \u067e\u0631 Fitbit Air \u06a9\u06d2 \u0644\u06cc\u06d2 \u0628\u0631\u0627\u06c1 \u0631\u0627\u0633\u062a FSA\/HSA \u06a9\u0627\u0631\u0688\u0632 \u0642\u0628\u0648\u0644 \u06a9\u0631 \u0633\u06a9\u062a\u0627 \u06c1\u06d2\u06d4 \u062e\u0627\u0635 \u0635\u062d\u062a \u06a9\u06d2 \u062e\u0648\u0631\u062f\u06c1 \u0641\u0631\u0648\u0634 \u062c\u06cc\u0633\u06d2 FSA \u0627\u0633\u0679\u0648\u0631 \u0627\u0648\u0631 HSA \u0627\u0633\u0679\u0648\u0631 \u0628\u06be\u06cc \u0645\u0636\u0628\u0648\u0637 \u0627\u062e\u062a\u06cc\u0627\u0631\u0627\u062a \u06c1\u06cc\u06ba\u06d4 \u0627\u0633 \u06a9\u06cc \u0648\u062c\u06c1 \u06cc\u06c1 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\u06a9\u0627\u0631\u0688 \u0631\u062c\u0633\u0679\u0631\u06cc \u06a9\u06d2 \u0630\u0631\u06cc\u0639\u06d2 \u0645\u0633\u062a\u0631\u062f \u06a9\u06cc\u0627 \u062c\u0627 \u0633\u06a9\u062a\u0627 \u06c1\u06d2 \u0686\u0627\u06c1\u06d2 \u0622\u067e \u06a9\u06d2 \u067e\u0627\u0633 \u062f\u0631\u0633\u062a LMN \u06c1\u0648\u06d4 \u0627\u0633 \u0635\u0648\u0631\u062a \u0645\u06cc\u06ba\u060c \u0622\u067e \u0627\u062e\u062a\u06cc\u0627\u0631 2 \u0622\u0632\u0645\u0627 \u0633\u06a9\u062a\u06d2 \u06c1\u06cc\u06ba\u06d4<\/p>\n<div class=\"pogoClear relative my-10 border-b-[1.5px] border-t-[1.5px] border-dashed border-black py-5 sm:my-14 sm:border-0 sm:py-0\" data-ga-click=\"\" data-ga-template=\"Explainers\" data-ga-module=\"openweb_widget\" data-ga-element=\"openweb_scroll\" data-ga-item=\"openweb_scroll_midpage\" x-data=\"{\n         commentsCount: null,\n         hasComments: false,\n         async fetchCommentsCount() {\n             try {\n                 if (window.openweb &#038;&#038; typeof window.openweb.getMessagesCount === 'function') {\n                     this.commentsCount = await window.openweb.getMessagesCount('01KVBA2EBDHR30ZS1KGC0WZNNQ');\n                     this.hasComments = this.commentsCount !== null &#038;&#038; this.commentsCount >    0; } } \u06a9\u06cc\u0686 (\u0627\u06cc) { console.warn(&#8216;\u062a\u0628\u0635\u0631\u0648\u06ba \u06a9\u06cc \u062a\u0639\u062f\u0627\u062f \u062d\u0627\u0635\u0644 \u06a9\u0631\u0646\u06d2 \u0645\u06cc\u06ba \u0646\u0627\u06a9\u0627\u0645:&#8217;, e)\u061b } } }&#8221; x-init=&#8221;fetchCommentsCount()&#8221; x-cloak=&#8221;&#8221;><\/p>\n<div class=\"relative flex justify-center\">\n<div class=\"flex max-w-fit items-center gap-x-3 bg-white px-5\">\n<p>            <span class=\"text-sm font-medium text-black\"><\/p>\n<p>                \u0627\u0628 \u062a\u06a9 \u0622\u067e \u06a9\u0627 \u06a9\u06cc\u0627 \u062e\u06cc\u0627\u0644 \u06c1\u06d2\u061f<br \/>\n                <button class=\"ml-1 font-semibold text-brand-green underline hover:text-brand-green-700\" type=\"button\" aria-label=\"Comment section trigger\" onclick=\"window.openweb.scrollToComments('01KVBA2EBDHR30ZS1KGC0WZNNQ')\" x-text=\"hasComments ? 'Post a comment.' : 'Be the first to post a comment.'\"\/><br \/>\n            <\/span>\n        <\/div>\n<\/p><\/div>\n<\/div>\n<h2 id=\"option-two-pay-out-of-pocket-then-submit-for-reimbursement\">\u0622\u067e\u0634\u0646 2: \u0628\u0631\u0627\u06c1 \u0631\u0627\u0633\u062a \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u06a9\u0631\u06cc\u06ba \u0627\u0648\u0631 \u0631\u0642\u0645 \u06a9\u06cc \u0648\u0627\u067e\u0633\u06cc \u06a9\u06d2 \u0644\u06cc\u06d2 \u062c\u0645\u0639 \u06a9\u0631\u0627\u0626\u06cc\u06ba\u06d4<\/h2>\n<p>\u0627\u06af\u0631 \u0622\u067e \u06a9\u0627 FSA \u06a9\u0627\u0631\u0688 \u0686\u06cc\u06a9 \u0622\u0624\u0679 \u067e\u0631 \u06a9\u0627\u0645 \u0646\u06c1\u06cc\u06ba \u06a9\u0631\u062a\u0627 \u06c1\u06d2\u060c \u06cc\u0627 \u0622\u067e \u06a9\u0633\u06cc \u0627\u06cc\u0633\u06d2 \u062e\u0648\u0631\u062f\u06c1 \u0641\u0631\u0648\u0634 \u0633\u06d2 \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc \u06a9\u0631 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba \u062c\u0648 FSA\/HSA 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