Flexible Spending Accounts

What to Know

Like the HSA, Flexible Spending Accounts (FSAs) are tax advantaged. Unlike the HSA, your funds don’t roll over from year to year. This is mostly a use-it-or-lose-it account. You’ll forfeit any amount you don’t spend by the end of the year, with the exception of the Health Care accounts that allow you to carry over up to $640 into 2026 and up to $680 into 2027.

The Health Care FSA lets you use pretax dollars to pay for out-of-pocket health care costs like prescription copays, deductibles, and dental and vision care services. You can contribute a maximum of $3,400 in 2026. You can’t enroll in a Health Care FSA and an HSA at the same time. That means you can’t choose the Health Care FSA if you enroll in the Blue Shield PPO HDHP.

You can, however, be enrolled in an HSA and a Limited Purpose FSA simultaneously. The Limited Purpose FSA is for dental and vision expenses and post-deductible expenses only. Contributions for 2026 are capped at $3,400.

The Dependent Care FSA is for child care for children up to age 13. You can enroll in a Dependent Care FSA with any of the medical plans. The contribution limit for 2026 is $7,500 per household.

Note that the total IRS maximum for the calendar year includes any contributions made to your FSA through a previous employer within the same year.

Additional Resources

Debit Card Overview
Direct Deposit Request Form
FSA Enrollment Kit
FSA Expense Estimation Worksheet
FSA FAQ
FSA Plan Document
FSA Store
FSA Summary Plan Description
MyNavia App
Navia FSA Eligible Items
Online Registration Instructions
Recurring Day Care Claim Form
Using a Limited-Purpose FSA with an HSA