Flexible Spending & Health Savings Accounts
Flexible Spending & Health Savings Accounts
Take advantage of tax-free spending
With a Flexible Spending Account, you can pay healthcare or day care costs with pre-tax money through a paycheck deduction. This year, we are moving back to Navia from Benepass for both FSA and HSA administration. FSA Plan Highlights:
- Annual enrollment is required.
- Flexible Spending Accounts do not automatically roll over.
- As the funds are used, a mobile app provides an easy option to snap a picture of the receipt for submission, as required by IRS guidelines.
- If you are newly enrolled in FSA you will receive a card from Navia, if you were enrolled in 2025 you can use your same card until it expires.
- Learn more by reviewing the following resource: FSA Guide; FSA for Daycare; and Limited Healthcare FSA.
FSAs are easy to use. Here’s how:
Contribute
Estimate annual out-of-pocket expenses, enroll and contribute
Spend
Pay for qualifying expenses as you normally would and keep your receipts
Get reimbursed
Submit your claim to Administrative Solutions for reimbursement
There are four types of Flexible Spending Accounts:
Flexible Spending Account
A Health Care FSA (FSA) is a pre-tax benefit account that’s used to pay for eligible medical, dental, and vision care expenses that are not covered by your health care plan or elsewhere. With an FSA, you use pre-tax dollars to pay for qualified out-of-pocket health care expenses.
In 2026, FSA Limits are $130 per individual and $3,400 per family.
Deductibles, co-pays and your share of medical, dental and vision expenses. Eyeglasses, contact lenses and prescription sunglasses not covered by a plan. Orthodontia expenses not covered by a dental plan Over-the-counter (OTC) medicines (such as allergy and sinus medications, aspirin, ibuprofen, acid controllers, etc.), if they are prescribed by a doctor (requires either an electronic or written prescription). This does not apply to insulin. You can obtain OTC insulin without a doctor’s prescription.
Visit www.fsastore.com for a complete list of Health Care FSA expenses.
Visit Navia Benefit Solutions for claims information.
Toll-free phone: (800) 669-3539
Fax: (425) 451-7002
Email: [email protected]
Dependent Care Spending Account
You can contribute up to $7,500 per year to the Day Care FSA ($3,750 each, if you and your spouse file taxes separately). This account lets you spend pre-tax money to pay for day care expenses for a tax dependent who is 13 years of age or younger, while you (or your spouse) work outside the home. Keep in mind, if you or your spouse are not working, you may not participate in the Day Care FSA.
You can pay day care expenses for:
- Children under 13
- Mentally or physically disabled children who cannot support themselves
- A disabled parent or spouse who lives with you and who depends on your support
You can pay for care provided in a licensed day care facility, in a home, or other dependent day care center. To be reimbursed, you must provide the day care provider’s Social Security or tax identification number.
In some cases, the federal childcare tax credit may provide a better tax break than an FSA.
In general, the tax credit is a better option for those earning less than $39,000 a year. Check with your tax advisor to see which one makes sense for you.
For more information about FSAs, visit The Forum.
Heath Savings Account
A Health Savings Account (HSA) is a triple tax-free account that can be used for qualified medical expenses. It is triple tax-free because your contributions, interest and earnings from investments, and withdrawals from the account are not subject to regular income and payroll taxes. To be eligible, you must be enrolled in an HDHP Plan, not enrolled in Medicare and you cannot be claimed as a dependent on someone else’s tax return. You can contribute anywhere from $130 to $3,050 per year to pay for out-of-pocket health care expenses for you and your tax dependents (even if they’re not covered under Community Health Plans).
- Proposed IRS 2026 contribution limits
- Employee only: $4,400
- Family: $8,750
- 55 and over: $1,000 catch up
- Money is available as you deposit it
- Balance may be rolled over from year to year and invested
- Special tax rules apply and contributions are prohibited after age 65
- Learn more by reviewing Navia’s HSA Guide.
- Deductibles, co-pays and your share of medical, dental and vision expenses
- Eyeglasses, contact lenses and prescription sunglasses not covered by a plan
- Orthodontia expenses not covered by a dental plan
- Over-the-counter (OTC) medicines (such as allergy and sinus medications, aspirin, ibuprofen, acid controllers, etc.), if they are prescribed by a doctor (requires either an electronic or written prescription). This does not apply to insulin. You can obtain OTC insulin without a doctor’s prescription.
Visit www.irs.gov and search for IRS publication #502. You can also call 800-TAX-FORM (829-3676).
Limited Purpose FSA (LP-FSA)
A Limited Purpose FSA (LPFSA) is restricted to only dental and vision care costs. LP-FSA is an option for those enrolled in a high-deductible health plan (HDHP) with a Health Savings Account (HSA), allowing them to keep their HSA intact for larger medical expenses while still saving on vision and dental care.
In 2026, Limited Purpose FSA limits (can only be used with HSA) are $130-$3,400.
A Limited Purpose Flexible Spending Account (LPFSA) covers eligible dental, vision, and some preventive care expenses, such as eye exams, glasses, contact lenses, dental cleanings, and braces. This type of FSA is designed to be used alongside a Health Savings Account (HSA), allowing you to save HSA funds for future medical expenses while using LPFSA funds for dental and vision care.
Submitting FSA claims
Before you get started with your claim submission, you’ll need to have your itemized documentation. It is important to send proper documentation that substantiates the claim. The IRS requires that the documentation shows the:
- Date of service (must fall within the plan year)
- Type of service or item
- Cost or your patient responsibility of the service or item
Itemized bills from providers and Explanation of Benefits (EOB’s) from insurance carriers are perfect forms of documentation. You do not need to show proof of payment unless you are submitting an orthodontia claim. Do not submit copies of cancelled checks, credit or debit card receipts as these forms of documentation do not show the date, type, and cost of the service.
Create an account at www.naviabenefits.com to file a claim!