Take control of your health care and dependent care expenses with a Flexible Spending Account (FSA). At the start of the plan year, you elect the amount you want to contribute, which is set aside pre-tax to cover eligible expenses like medical, dental, vision, and childcare costs. This tax-advantaged benefit helps you save money and manage your budget more effectively.
Effective January 1, 2026, the FSA plans are administered by Lively. All expenses incurred on or after this date will be processed through Lively.
A Health Care FSA makes it easy to manage health care costs for you and your family. At the start of the plan year, you elect how much to contribute, with funds deducted from your paycheck pre-tax. The full annual amount you elect is available to use right away—you don’t have to wait for the funds to accumulate.
When you incur an eligible expense, simply use your Lively debit card for payment or submit documentation for reimbursement. Eligible expenses include copays, prescriptions, and more.
A Dependent Care FSA lets you set aside pre-tax dollars to cover eligible expenses for childcare or eldercare. This account can be used for children aged 12 and under, or dependents who need care while you and your spouse (if married) work or seek employment. Qualifying care includes babysitters, live-in caregivers, and licensed daycare centers.
Reimbursements are issued after care services are provided, and funds are deposited into your account, helping you save money while managing dependent care costs.
A Limited Purpose FSA is a great way to save on dental and vision expenses while keeping your Health Savings Account (HSA) focused on other medical needs. To be eligible for this account, you must be enrolled in the HDHP with HSA medical plan.
With a Limited Purpose FSA, you can reduce out-of-pocket costs and maximize your overall savings.
FSAs offer valuable tax benefits but are subject to IRS regulations such as:
Keep these rules in mind to make the most of your FSA.
A Health Savings Account (HSA) is a tax-advantaged savings account that helps you manage healthcare expenses. Available to those enrolled in a High Deductible Health Plan (HDHP), an HSA allows you to set aside pre-tax dollars to cover eligible medical, dental, and vision costs.
How it works:
Unlike an FSA, your HSA funds never expire, giving you more flexibility and long-term savings for your healthcare needs.
Beginning January 1, 2026, our HSA plan will be administered by Lively. You will receive an email from Lively with instructions for:
Your WEX account will be available through December 31, 2025, and you may use your WEX HSA debit card or request reimbursement for eligible purchases made through that date.
Expenses incurred on or after January 1, 2026, will be processed through Lively. Be sure to open your account so that you receive your Lively HSA debit card for use early in 2026. Please review the Lively flyers and email instructions for account information.
| HSA | Health Care FSA | |
|---|---|---|
| Available if you enroll in a | HDHP | PPO Plan |
| Eligible for company contributions | Yes | No |
| Change your contribution amount any time | Yes | No |
| Access your entire annual contribution amount from the beginning of the plan year | No | Yes |
| Access only funds that have been deposited | Yes | No |
| “Use-it-or-lose-it” at year-end | No | Yes |
| Money is always yours to keep | Yes | No |
