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Flexible Spending Accounts (FSAs) allow you to pay for eligible expenses using tax-free dollars. There is a “use it or lose it” rule imposed by the IRS. If you do not spend all the money in you Health Care, Limited Purpose, or Dependent Care FSA by March 31 of the following year for expenses incurred from January 1 -December 31, unused dollars will be forfeited per IRS regulations for pretax contributions. The FSA program is administered by WEX.

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The Health Care FSA contribution maximum for 2025 is $3,300.  This account is available to all eligible employees who are not enrolled in the Simple ACA Plan (EACF) with UHC. If you and your spouse are both offered FSA plans, you can each elect the maximum for a combined household set aside of $6,600.

 

Health Care Reimbursement FSA

This program lets employees pay for certain IRS-approved medical care expenses not covered by their insurance plan with pre-tax dollars.

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Some examples include:

• Deductibles

• Copays

• Coinsurance

• Vision services, including contact lenses, contact lens solution, eye examinations, and eyeglasses

• Dental services and orthodontia

• Hearing services, including hearing aids and batteries

• Chiropractic services

• As of January 1, 2020, over the counter drugs/medications are covered under the FSA without a prescription.  Menstrual products are also included as a qualifying expense.

 

 

Dependent Day Care FSA

The Dependent Day Care FSA allows employees to use pre-tax dollars towards qualified dependent day care expenses such as caring for children under the age of 13 or caring for disabled dependents over the age of 13 (as long as you and your spouse (if married) are working full-time).

 

The annual maximum amount you may contribute to the Dependent Care FSA is $5,000 per household (or $2,500 each if married and filing separately) per calendar year. 

 

Examples include: The cost of child(ren) or disabled-dependent care, the cost for an individual to provide care either in or outside of your home, nursery schools & preschools (excluding kindergarten and educational costs).​​​