Cuentas de gastos flexibles
Set aside pre-tax dollars for health care and dependent care, and lower your taxable income doing it.
FSAs let you stretch your dollars by setting aside pre-tax money for eligible expenses. Each year you elect the annual amount you want to contribute to each account. Contributions are deducted pre-tax from your paycheck, reducing your taxable income.
There are three types of FSAs:
- Cuenta de gastos flexibles para atención médica (FSA)
- Cuenta de gastos flexibles (FSA) de propósito limitado
- Cuenta de gastos flexibles (FSA) para el cuidado de personas a cargo
FSA rules to keep in mind
- The IRS applies a strict use-it-or-lose-it rule. At the end of the calendar year any funds above the rollover amount are forfeited.
- Once you enroll you can only change your contribution if you experience a qualified status change.
- Each account works separately. You cannot transfer funds from one FSA to another.
Manage Your FSA
Sign in to Lively to check your balance, submit expenses or use your debit card.
Contacto:
Compare FSA Accounts
| Cuenta de gastos flexibles para atención médica (FSA) | Cuenta de gastos flexibles (FSA) de propósito limitado | Cuenta de gastos flexibles (FSA) para el cuidado de personas a cargo | |
|---|---|---|---|
| Who can contribute | Employees enrolled in the PPO $850 | Employees enrolled in the CDHP $3,500 or CDHP $2,000 | All benefits-eligible employees |
| Annual contribution limit | $3,400 | $3,400 | $7,500 ($3,750 if married and filing separately) |
| Eligible expenses¹ | Medical, dental and vision deductibles, copays and coinsurance | Dental and vision expenses only | Daycare for children under age 13, disabled children and dependent adults |
| When funds are available | The full annual amount you elect, on your plan effective date | The full annual amount you elect, on your plan effective date | Reimbursed up to the amount currently in your account |
| Payment options | Debit card or reimbursement | Debit card or reimbursement | Debit card or reimbursement |
| Services deadline | 12/31/26 | 12/31/26 | 12/31/26 |
| Rollover allowance | Up to $680 into the 2027 plan year | Up to $680 into the 2027 plan year | None |
| Reimbursement deadline | 3/31/27 | 3/31/27 | 3/31/27 |
| Unused funds | Anything above the rollover is forfeited | Anything above the rollover is forfeited | Forfeited |
¹ See IRS Publications 502 and 503 for complete lists of eligible expenses.