The Healthcare Flexible Spending Account (FSA) is a great way to save on out-of-pocket medical, dental and vision expenses. You are able to elect the FSA plan if you are enrolled in either the Premier PPO or Elite EPO plans, or if you don't participate in our medical plans. 

The FSA contribution limit for 2026 is $3,400. Any funds not used by the end of the plan year grace period will be forfeited in accordance with IRS regulations, and elections cannot be changed after the enrollment closes – so you’ll want to plan wisely. 

The Healthcare FSA is pre-funded, which means that the amount elected for the year is available for use as of the date your benefits start. You will receive a debit card from Fidelity Net Benefits to use to pay expenses directly, or pay out of pocket and request reimbursement later. Think of it as a loan that you pay into with your payroll contributions throughout the year. 

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You will be able carryover up to the IRS maximum of $680 at the end of the plan year as long as you are participating in 2027.

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FSA Run Out Period

Participants have 90 days following the end of the plan year to submit claims for eligible expenses incurred during that plan year. The run-out period does not extend the deadline to incur expenses; it only provides additional time to submit claims.

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Claims must be received by Fidelity before the end of the 90-day period. Any remaining unused funds after that time will be forfeited in accordance with IRS “use-it-or-lose-it” rules, unless otherwise provided under the Plan.

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