Flexible Spending Accounts (FSAs) allow employees to pay health care and dependent care expenses on a pretax basis. You pick an amount you’d want for the year, you get the funds up front (via a debit card) and use the rest of the year to pay it back through paychecks.
FSA Overview
Plan Information:
- Employees participating in the PPO Medical Plan, or not enrolled in medical, are eligible to participate in the Health Care FSA. You can use these funds for medical, dental and vision costs.
- Employees participating in the HDHP Medical Plan are eligible to participate in the Limited Purpose FSA. You can use these funds ONLY for dental and vision costs, not medical.
- All benefit-eligible employees can participate in the Dependent Care FSA. Dependent care FSAs are not front-loaded. Those funds get loaded into your debit card/account as you contribute per check.
- You cannot change contributions during the plan year, unless if you experience a Qualifying Life Event.
Contribution Limits:
- Traditional FSA: $3,400, with $680 rollover.
- Your annual election is split across 26 pay periods. Your plan is fully funded, after the 1/3/2026 check date, giving you access to your entire election, immediately.
- Limited Purpose FSA: $3,400, with $680 rollover.
- Your annual election is split across 26 pay periods. Your plan is fully funded, after the 1/3/2026 check date, giving you access to your entire election, immediately.
- Dependent Care FSA: $7,500 or $3,750 if married and filing separately.
- Your annual election is split across 26 pay periods. Your plan is funded, as your Payroll contributions occur.
- Commuter FSA: $340 Monthly Limit
2025 Unused Fund Reminder:
Traditional FSA:
- 12/31/2026: Deadline for incurring 2025 FSA expenses
- 3/31/2026: Deadline for FSA claim submission for claims incurred in 2025.
- April 2026: FSA rollover of up to $680. Unused funds above $680 will be forfeited.
Dependent Care FSA:
- 3/15/2026: Deadline to incur claims for the 2025 balance.
- 3/31/2026: Deadline to file claims incurred from 1/1/2025 – 3/15/2026.
