Flexible Spending Accounts (FSAs) allow you to set aside pre-tax dollars from your paycheck to pay for eligible out-of-pocket healthcare or daycare expenses. Our FSAs are administered through Navia Benefit Solutions.
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A Flexible Spending Account (FSA) is a tax-advantaged spending account where you can set aside money for:
You can contribute up to the IRS annual maximum to your FSAs.
In 2026, the limits are:
Healthcare FSAs are similar to a Health Savings Account, but you can be enrolled in any medical plan to participate with the exception of an HDHP. Those enrolled in an HDHP may only contribute to a Limited Purpose FSA. You set aside money from your paycheck (pre-tax) to save for out-of-pocket healthcare expenses. During annual enrollment, you’ll estimate your healthcare expenses for the upcoming plan year. Your annual contribution will be divided evenly across your pay periods, but you’ll have access to the full yearly contribution right away.
Learn MoreEligible ExpensesThe Limited Healthcare FSA works just like a Healthcare FSA, but is limited to dental and vision expenses. You may also use this account for medical expenses after you have satisfied the annual deductible. This type of FSA is ideal for people enrolled in a Health Savings Account with their High Deductible Health Plan.
Also known as a “Daycare FSA” this type of FSA lets you set aside pre-tax money from your paycheck to save for future dependent care expenses, like daycare for your children or care of adult dependents you cover.
Learn MoreEligible ExpensesWhen you enroll in a Healthcare FSA, you will receive an FSA debit card in the mail from Navia, which you can use to pay for eligible expenses.
If you are not able to use your debit card for your healthcare expense, you can also submit reimbursement forms on Navia’s website, or via email or fax.
If you enroll in the Dependent Care FSA, you can only submit claims, there is no debit card. Claims can be submitted by mail, fax, email or online.
FSA Claim FOrmIf you don’t spend all of the money in your Healthcare FSA by the end of the given plan year, up to $680 of unused funds will automatically roll over into your account the following year. Anything more than that will not be rolled over, and will be subject to the “use it or lose it” rule.
If you do not spend all of the money in your Dependent Care FSA by the end of the given plan year, all remaining funds will be forfeited as they are also subject to the “use it or lose it” rule.
Dependent Care FSA and Health Care FSA contributions will stop prior to your final paycheck; you may incur eligible claims through your termination date and have 90 days after year-end to submit claims. Health Care FSA participation ends on your termination date (including debit card deactivation), with the option to continue coverage through COBRA.
