Healthcare FSA

The healthcare FSA helps you pay IRS-approved medical expenses. The 2026 IRS Annual Contribution Maximum is $3,400.

Funds you elect to contribute to the healthcare FSA are available in full on the first day of the plan year but contributions can be made on a per-pay basis throughout the benefit year. For example, if you elect to contribute $1,000, the full election is available on day one. You can only open an FSA if you aren’t enrolled in an HDHP.

Limited Healthcare FSA

The limited healthcare FSA is similar to the healthcare FSA, but it only covers dental and vison services. You can choose this option if you are in our PPO or one of our HDHP medical plans and have an HSA.

Dependent Care FSA

The dependent care FSA helps you pay for dependent care. You can contribute up to $7,500 per household (or $3,750 if married and filing separately) per plan year. Your account works like a debit card; you need to accumulate the funds before you can use them.

Qualfied Transit Expense (QTE)

The qualified transit expense account is a different type of FSA that allows you to set aside pre-tax dollars to pay for eligible transportation and parking expenses. You can either use a special debit card to access account balances or submit receipts on the carrier’s portal.

Use It or Lose It

Carefully consider your FSA contribution amounts for the plan year. At the end of the year or grace period, you lose any money left over in the FSA.

Examples of Eligible Expenses

Please refer to Surency’s full list of eligible expenses for additional coverages.

Healthcare FSA

• Doctor’s visit copays
• Prescription drug copays
• Medical and dental deductibles
• Over-the-counter medications/supplies. Please refer to IRS Publication 502
• Hearing aids
• Eyeglasses

Limited Healthcare FSA

• Hearing aids
• Eyeglasses
• Dental cleanings
• Eye exams

Dependent Care FSA

• Child or adult daycare*
• Nursery school
• Preschool (excluding kindgarten)

Qualified Transit Expense FSA

• Public Transit to and from work
• Parking expenses

* An eligible dependent is a tax-dependent child under age 13 or a tax-dependent spouse, parent or child unable to care for themselves.