Tax-Advantaged Accounts · Money · pre-tax accounts
Which spending account is right for me?
Pick your medical plan. Then you may choose the account that goes with it.
These accounts come out of your pay before tax and pay for care.
Tax-Advantaged Account Basics
- Elect distribution from your paycheck to add pre-tax income to an account
- Use that pre-tax money to cover certain expenses
- Lowers your taxable income
- See the page for more details
Watch the video
How much can I put into each account?
If you pick the Healthy Savings Plan
If you pick the Traditional Plan
Health Savings Account (HSA)
$4,500a year, just you
$9,000a year, with any dependents on your plan
Medical, prescriptions, dental and vision. Age 55 or older: add $1,000.
Health Care FSA
$3,400a year
Medical, prescriptions, dental and vision. Also open to you if you waive medical coverage.
Limited Purpose FSA
$3,400a year
Dental and vision only.
No HSA
The HSA comes only with the Healthy Savings Plan.
Either plan, or none
Dependent Care FSA
Childcare up to age 13, or care for elderly parents.
$5,000
Do this
In Oracle by 5 p.m. Central on November 16, 2026, type the amount you want for 2027. Last year’s amount does not carry over.
More about this benefit
Contributions to these accounts come out of your pay before tax and allow you to pay for care and other costs.
At a glance
Healthy Savings
HSA + LPFSA, if eligible
Traditional / waived
Health Care FSA
Dependent care
Independent of health election
Account eligibility
| Account | Available when | Eligible use described |
|---|---|---|
| HSA | Healthy Savings and HSA eligibility requirements met | Qualified medical expenses; current or future |
| Health Care FSA | Traditional Plan or waived health care | Medical, dental, vision and prescriptions |
| LPFSA | Healthy Savings Plan | Dental and vision only |
| Dependent Care FSA | Any health election, including waived | Eligible daycare under age 13 or elder care |
Before electing
- 1
Check HSA eligibility independently of your medical-plan election.
- 2
Confirm all current contribution limits and the FSA rollover rule.
- 3
Use WEX to check whether an expense is eligible.
Next step
Match your medical election to the account before choosing a contribution.
Who to call
Accounts: WEX Health · (866) 451-3399 · wexinc.com