How an FSA works
You choose how much money to contribute for the year, and your employer deducts that amount from your paycheck before taxes.
You can use your FSA funds for qualified expenses such as doctor visits, prescriptions, dental care, and vision costs.
You typically access your funds with an FSA debit card provided by your employer or plan administrator.
Important details
FSAs are owned and managed by your employer, not you.
You usually must use the money within the plan year, though some employers allow a small rollover or grace period.
You can’t keep your FSA if you leave your job.
FSA vs. HSA
Unlike a Health Savings Account (HSA), an FSA is tied to your employer and doesn’t carry over indefinitely, but both help you save on medical costs by using pre-tax dollars.
Need help?
If you’re unsure how your employer’s FSA works or what expenses are covered, contact your employer’s benefits department or call our Consumer Advocate team at 855-772-2663, Monday–Friday, 6am–4pm PT.