The Health Care FSA helps you pay for eligible out-of-pocket medical, dental, and vision expenses for you and your eligible dependents. If you enroll in the HDHP Option 1 or HDHP Option 2 with HSA, you may only choose the Limited Purpose Health Care FSA.
Flexible Spending Accounts (FSAs) let you set aside tax‑free dollars to pay for eligible health care or dependent care expenses. You can choose to contribute to a Health Care FSA, a Dependent Care FSA, or both. Each account is separate, and funds can’t be transferred between them.
Eligible Expenses
Most medical, pharmacy, dental and vision costs not covered by your Medical Plan, such as copays, coinsurance, deductibles, prescription lenses, contacts, orthodontia, and prescriptions; find more information at IRS Publication 502
2026 Annual Contribution Limits
Up to $3,400 per year
Eligibility
Available if you are enrolled in the PPO Plan
Eligible Expenses
Only dental and vision costs not covered by your plans, such as copays, coinsurance, deductibles, eyeglasses, and orthodontia
2026 Annual Contribution Limits
Up to $3,400 per year
Eligibility
Available if you are enrolled in HDHP Option 1 or Option 2 with an HSA
When you enroll, you’ll receive a Fidelity Debit card, which can be used at providers such as pharmacies, clinics, and dental offices. Most eligible expenses can be paid directly with the card. You can also use Fidelity’s online member portal or the mobile app.
