Health care FSAs
Set aside pre-tax money to pay for eligible health care expenses. Contributions are deducted from your paychecks before taxes, helping to reduce your taxable income.
Manage FSA account
How FSAs work
When you incur an eligible expense, you can pay with your FSA debit card or pay out of pocket and submit a claim for reimbursement. Expenses must be incurred Jan. 1–Dec. 31, and you have until March 31 of the following year to submit claims. For a full list of eligible expenses, see IRS Publication 502. You can also view a list of covered expenses on WEX’s site and shop directly in the FSA store.
General purpose health care FSA
The general purpose health care FSA is available if you enroll in the Cigna PPO Premium or Cigna EPO medical plan and neither you nor your spouse is contributing to a health savings account (HSA).
- 2026 contribution limit: Up to $3,400
- Use funds for eligible medical, prescription, dental and vision expenses for you and your eligible dependents.
- Pay with your FSA debit card or submit receipts for reimbursement.
Combination health care FSA
The combination health care FSA is available if you enroll in the Cigna HDHP Plus with HSA medical plan.
- 2026 contribution limit: Up to $3,400
- Before meeting the IRS minimum deductible, you may use funds for eligible dental and vision expenses.
- After meeting the 2026 IRS statutory deductible ($1,650 individual / $3,300 family), you may use the account for all eligible medical expenses.
- You must submit proof of meeting the deductible to WEX before expanded reimbursement begins.
What can I spend the money on?
Qualified health care FSA expenses include:
- Deductibles & copays
- GLP-1 medications
- Prescription medications
- Eyeglasses, contacts & LASIK
- Dental care
- Feminine hygiene products
- Acupuncture
- Birth control
- Coinsurance
- Contact lenses
- Orthodontia
See IRS Publication 502 for a full list
When can I enroll for an FSA?
You may enroll in an FSA:
- As a new hire
- During open enrollment
- Following a qualifying life event
Per IRS rules, you must re-enroll each year if you want to participate.
Can I keep the money for next year?
The health care FSA includes a carryover feature that helps you avoid losing unused funds at year-end.
- Up to $680 of any unused 2026 health care FSA balance may carry into 2027, per IRS rules.
Anything above the carryover limit is forfeited, so be sure to use your health care FSA funds by Dec. 31 each year. You do not need to re-enroll in a health care FSA to receive the carryover.
Can I have an FSA carryover and an HSA?
If you enroll in an HSA-qualified medical plan, IRS rules require that you cannot contribute to a health savings account (HSA) if you have a balance in a general purpose health care FSA at the start of the plan year.
If a carryover applies to you:
- Your remaining balance (up to the allowed limit) moves into a combo FSA, which offers limited reimbursement options.
- Having a combo FSA balance—of any amount—means you are not eligible to contribute to an HSA until that balance is fully used.
- Any balance above the carryover amount is forfeited.
