Healthcare FSA
Limited FSA
Dependent Care FSA
We want you to use your FSA funds, not lose them.
That's why we make our FSAs as flexible as possible under IRS regulations.
Check out this resource to learn about how to verify your income and employment.
Types of Flexible Spending Accounts
Healthcare FSA
Limited FSA
Dependent Care FSA
Healthcare FSA
You only
Who Can Contribute To Each Account?
Limited FSA
You only
Dependent Day Care FSA
You only
Enrolled in the Plus plan? FSAs could save you tax money on qualified expenses
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs
If you have to pay for care during the day so you and your spouse can work or go to school, this use it or lose it account could save you money on taxes
What can you use your contributions for?
Day care, nursery programs or adult care facility expenses while you and your spouse work or attend school
When are your funds available?
Your full election is available to you on 1/1
Your full election is available to you 1/1
Your contributions are deposited each pay period. You can use the funds as your balance allows.
What happens to your money at the end of the year?
You can roll over up to $570 from 2023 to 2024
You can roll over up to $610 from 2024 to 2025
If you choose to enroll during Annual Enrollment, you will be able to roll over up to $610 from 2024 to 2025.
You can roll over up to $570 from 2023 to 2024
You can roll over up to $610 from 2024 to 2025
If you choose to enroll during Annual Enrollment, you will be able to roll over up to $610 from 2024 to 2025.
There are IRS rules that say unused funds at year end are "use it or lose it" and can't be rolled over
Healthcare FSA
Limited FSA
Dependent Care FSA
When is the deadline for submitting claims?
You can file 2023 FSA claims until March 31, 2024 for services received in 2023 while you were working at A-B
You can file 2024 FSA claims until March 31, 2025 for services received while you were working at A-B during 2024
You can file 2023 FSA claims until March 31, 2024 for services received in 2023 while you were working at A-B
You can file 2024 FSA claims until March 31, 2025 for services received while you were working at A-B during 2024
You can file claims until March 31, 2024 for services received in 2023
You can file 2024 DCFSA claims until March 31, 2025 for services received in 2024
Who can you use the money for?
Yourself, your spouse and your tax dependents (whether or not they are enrolled in the plan)
Yourself, your spouse and your tax dependents (whether or not they are enrolled in the plan)
Your children under age 13 and/or eligible adult dependents
What happens if you choose to leave A-B?
Your contributions will end when you stop working. You will be able to file claims until March 31 of next year for services received while you were working at A-B this year for HCFSAs and LFSAs.
For the DCFSA, if you separate employment during the year, you can continue to incur and claim day care expenses, up to the amount you contributed while employed, through the end of the plan year.
The only FSA you can combine with a Health Savings Account is a Limited Flexible Spending Account. If you enroll in both accounts, please plan to use your Limited FSA funds first.
You may consider enrolling in an HSA and a LFSA if:
- You expect to have vision or dental expenses equalling the full amount you contribute to the LFSA
- You think you will need the full amount you contribute to your LFSA on January 1st of the following year for dental and vision expenses
- You want to keep your HSA funds socked away for the future and you will still have dental or vision expenses that you want to use pre-tax funds to cover.
Learn more about Health Savings Accounts (the pros and requirements to qualify) on HealthEquity's Learn Site.
Find discounts on home mortgages, insurance, moving vans/services, other home buying or selling costs, top car brands and auto insurance. My AB Discounts is available in the Benefits Portal's Discounts tile.
Find discounts on home mortgages, insurance, moving vans/services, other home buying or selling costs, top car brands and auto insurance. My AB Discounts is available in the Benefits Portal's Discounts tile.
Developing and sustaining meaningful relationships with others – family, friends, colleagues, your community. It encompasses the ability to engage in positive interactions, manage and understand emotions, feel belonging, and share and celebrate failures and successes with others.
Check out this resource to learn about how to verify your income and employment.
When is the money available?
HSAs can be paired with the Basic and Standard Plans if you meet the eligibility requirements, which you can find on the Benefits Portal.
Healthcare FSA
You Only
Limited FSA
You only
Dependent Day Care FSA
You only
Limited FSA
Limited FSA
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs.
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs.
Dependent Day Care FSA
Dependent Day Care FSA
If you have a child younger than 13 and have to pay for daycare so you can work, this account could save you money on taxes.
If you have a child younger than 13 and have to pay for daycare so you can work, this account could save you money on taxes.
The HR Service Center is available to assist you with any changes to your HSA contribution amounts or help you enroll in an HSA anytime (not just during Annual Enrollment)!
Call the HR Service Center at 1-800-952-7522.
Healthcare FSA
You Only
Limited FSA
You only
Dependent Day Care FSA
You only
Limited FSA
Limited FSA
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs.
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs.
If you have a child younger than 13 and have to pay for daycare so you can work, this account could save you money on taxes.
If you have a child younger than 13 and have to pay for daycare so you can work, this account could save you money on taxes.
The HR Service Center is available to assist you with any changes to your HSA contribution amounts or help you enroll in an HSA anytime (not just during Annual Enrollment)!
Call the HR Service Center at 1-800-952-7522.
Who can you contact if you need help with your FSA?
Reach out to HealthEquity 24/7/365 at 877-924-3967.
If you want to learn more about FSAs, check out HealthEquity's Learn Site.
Types of Flexible Spending Accounts
Healthcare FSA
Enrolled in the Plus plan? FSAs could save you tax money on qualified expenses
Limited FSA
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs
Dependent Care FSA
If you have to pay for care during the day so you and your spouse can work or go to school, this account could save you money on taxes
Check out this resource to learn about how to verify your income and employment.
Healthcare FSA
You only
Who Can Contribute To Each Account?
Limited FSA
You only
Dependent Day Care FSA
You only
What kinds of costs can you use your contributions for?
Column 1
Column 2
Column 3
Healthcare FSA
Limited FSA
Eligible dental and vision expenses
Dependent Care FSA
Day care, nursery programs or adult care facility expenses while you and your spouse work or attend school
When are the funds available?
Healthcare FSA
Your full election is available to you on 1/1
Limited FSA
Your full election is available to you 1/1
Dependent Care FSA
Your contributions are deposited each pay period. You can use the funds as your balance allows.
What happens to your money at the end of the year?
Healthcare FSA
You can roll over up to $570 from this year to next year and will be able to file claims until March 31 of next year for services received this year while you were working at A-B
You will be able to roll over up to $610 from 2024 to 2025
Limited FSA
You can roll over up to $570 from this year to next year and will be able to file claims until March 31 of next year for services received this year while you were working at A-B
You will be able to roll over up to $610 from 2024 to 2025
Dependent Care FSA
There are IRS rules that say unused funds at year end are "use it or lose it" and can't roll over, so please plan carefully when you choose the amount you want to contribute.
You can file claims until March 31 of next year for services received this year
Who can you use the money for?
Healthcare FSA
Yourself, your spouse and your tax dependents (whether or not they are enrolled in the plan)
Limited FSA
Yourself, your spouse and your tax dependents (whether or not they are enrolled in the plan)
Dependent Care FSA
Your children under age 13 and/or eligible adult dependents
What happens if you choose to leave A-B?
Your contributions will end when you stop working. You will be able to file claims until March 31 of next year for services received while you were working at A-B this year.
For the DCFSA, if you separate employment during the year, you can continue to incur and claim day care expenses, up to the amount you contributed while employed, through the end of the plan year.
The only FSA you can combine with a Health Savings Account is a Limited Flexible Spending Account. If you enroll in both accounts, please plan to use your Limited FSA funds first.
You may consider enrolling in an HSA and a LFSA if:
- You expect to have vision or dental expenses equalling the full amount you contribute to the LFSA
- You think you will need the full amount you contribute to your LFSA on January 1st of the following year for dental and vision expenses
- You want to keep your HSA funds socked away for the future and you will still have dental or vision expenses that you want to use pre-tax funds to cover.
Learn more about Health Savings Accounts (the pros and requirements to qualify) on HealthEquity's Learn Site.
Find discounts on home mortgages, insurance, moving vans/services, other home buying or selling costs, top car brands and auto insurance. My AB Discounts is available in the Benefits Portal's Discounts tile.
Find discounts on home mortgages, insurance, moving vans/services, other home buying or selling costs, top car brands and auto insurance. My AB Discounts is available in the Benefits Portal's Discounts tile.
Developing and sustaining meaningful relationships with others – family, friends, colleagues, your community. It encompasses the ability to engage in positive interactions, manage and understand emotions, feel belonging, and share and celebrate failures and successes with others.
Check out this resource to learn about how to verify your income and employment.
When is the money available?
HSAs can be paired with the Basic and Standard Plans if you meet the eligibility requirements, which you can find on the Benefits Portal.
Healthcare FSA
You Only
Limited FSA
You only
Dependent Day Care FSA
You only
Limited FSA
Limited FSA
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs.
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs.
Dependent Day Care FSA
Dependent Day Care FSA
If you have a child younger than 13 and have to pay for daycare so you can work, this account could save you money on taxes.
If you have a child younger than 13 and have to pay for daycare so you can work, this account could save you money on taxes.
The HR Service Center is available to assist you with any changes to your HSA contribution amounts or help you enroll in an HSA anytime (not just during Annual Enrollment)!
Call the HR Service Center at 1-800-952-7522.
Healthcare FSA
You Only
Limited FSA
You only
Dependent Day Care FSA
You only
Limited FSA
Limited FSA
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs.
Enrolled in the Basic or Standard plan? You can pair this account with an HSA and use pre-tax money for dental or vision costs.
If you have a child younger than 13 and have to pay for daycare so you can work, this account could save you money on taxes.
If you have a child younger than 13 and have to pay for daycare so you can work, this account could save you money on taxes.
The HR Service Center is available to assist you with any changes to your HSA contribution amounts or help you enroll in an HSA anytime (not just during Annual Enrollment)!
Call the HR Service Center at 1-800-952-7522.
Who can you contact if you need help with your FSA?
Reach out to HealthEquity 24/7/365 at 877-924-3967.
If you want to learn more about FSAs, check out HealthEquity's Learn Site.
