Health Care Flexible Spending Account

The Health Care FSA will reimburse you for eligible health care expenses that you, your spouse, and your children incur during the plan year. When you incur an eligible expense, you can use your Discovery Benefits/WEX debit card and/or submit documentation for reimbursement.

New! Health Care FSA Rollover

For the 2026 plan year, you will be able to roll over $680 of your FSA into the 2027 plan year. The rollover will only apply if you re-enroll in the Health Care FSA for 2027. Any unused balance above $680 will be forfeited.

The IRS Contribution limit for a Health Care FSA for 2026 is $3,400 per year. IRS contribution limits change. See www.irs.gov for additional information.

Health Care FSA Overview

Health Care FSA
Who can use it?	Eligible employees not enrolled in a Health Savings Account (HSA)
How much can I contribute (pre-tax)?	Up to $3,400/year
What can the account be used for?*	Medical, dental, and vision expenses, including deductibles, copays, and coinsurance
When can I use the account?	The full annual amount you elect is available on your plan effective date
How do I pay for expenses?	Debit card or reimbursement
What is the last day to receive care or make an eligible purchase?	12/31/26
Can the account roll over?	Yes. You can roll over up to $680 to the following year, as long as you enroll. Any amount above $680 will be forfeited.

*Refer to IRS Publication 502 for a complete list of eligible expenses.

Note: if you are enrolled in either the Cigna Open Access Plus with HSA – Basic OR Cigna Open Access Plus with HSA – Enhanced plans, you are not eligible to participate in the Health Care FSA.

Examples of Eligible Expenses

Here are a few items and services covered by the Health Care FSA:

Acupuncture
Birth control
Chiropractor
Copays and coinsurance
Deductibles
Eye exams
Hearing aids
Over-the-counter (OTC) medications
Prescriptions
Smoking cessation
Vitamins

A complete list can be found in IRS Publication 502.

Rules to Keep In Mind

The Health Care FSA offers significant tax advantages, but is subject to IRS regulations:

All expenses for the Health Care FSA must be incurred during the plan year: January 1 through December 31.
At the end of the plan year, you may roll over up to $680 of your Health Care FSA balance to 2027, as long as you re-enroll in the Health Care FSA for that year. Any unused balance above $680 will be forfeited.
Once you enroll in the FSA, you can only change your contribution amount if you experience a qualified life event.
Each account functions separately. You cannot transfer funds from the Health Care FSA to the Dependent Care FSA, and vice versa.

For more information, visit www.wexinc.com/solutions/benefits/ or reach out to (866) 451-3399.