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A Medical FSA lets you use pretax dollars to pay for eligible out-of-pocket health care expenses like prescription & OTC drug costs, co-pays, dental & vision costs. 

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The FSA plan is offered annually during open enrollment.

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The maximum annual account contribution for the 2026 plan year is $3,300 or $126.92 per pay period.    

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FSA debit cards are issued to anyone enrolling in the plan giving you the freedom to immediately pay for eligible expenses instead of waiting to be reimbursed.

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It's valid through the expiration date printed on the front of the card.

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Under the Affordable Care Act, the IRS “use it or loose it” rule allows plan participants to carry over up to $660 into the next plan year without losing their funds.

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The "carryover" is available as long as you are actively enrolled in the FSA plan.

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Employees have the Run-out period through March 31st of the following plan year to submit prior year claims.