A Flexible Spending Account (FSA) allows you to save money by using "before-tax" dollars to pay for certain health care and dependent care expenses. To enroll, you elect an amount to be deducted pre-tax from your paycheck over 24 pay periods and deposited into your FSA. Then, you may request reimbursement from the account when eligible expenses are incurred.
Medical Spending FSA
(Not compatible with HSA Plan) | Limited-Purpose FSA
(Compatible with HSA Plan) | Dependent Care FSA
(Compatible with all plan options) |
| ELECT UP TO $3,300 TAX-FREE | ELECT UP TO $3,300 TAX-FREE | ELECT UP TO $7,500 TAX-FREE |
- Your Medical Spending FSA may be used to reimburse out-of-pocket medical expenses for you, your spouse, and your dependents.
- Eligible expenses include deductibles, coinsurance and prescriptions.
Dental, vision and hearing expenses may also be reimbursed. - The maximum annual Medical Spending FSA election is $3,300. The entire annual amount you elect may be used at any time during the plan year and is available January 1.
| - If you have elected to contribute to an HSA in 2026, you may also enroll in a Limited-Purpose FSA, even though both accounts may reimburse dental and vision expenses.
- To comply with HSA rules, your Limited- Purpose FSA may only be used to reimburse out-of-pocket dental and vision expenses for you, your spouse, and your dependents.
- The maximum annual Limited-Purpose FSA election is $3,300. The entire annual amount you elect may be used at any time during the plan year and is available January 1.
| - The annual maximum contribution to a Dependent Care FSA is $7,500 ( or $3,750 if you are married and filing taxes separately)
- The Dependent Care FSA is used to reimburse you for certain expenses for children under age 13, or individuals unable to care for themselves. Unlike Medical Spending FSAs and Limited- Purpose FSAs, Dependent Care FSAs may only reimburse expenses up to the amount you have contributed to date.
- Funds are available three business days after payroll deduction. Dependent Care FSA is for dependent daycare only.
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