Flexible Spending Accounts

FSA(s) let you pay for eligible out-of-pocket health care and/or dependent care expenses with pre-tax dollars.

How It Works

1. To participate in an FSA, you must elect an annual amount to contribute to your FSA each year.
   • The annual maximum is $3,300 for a Health Care FSA and the annual maximum for the Dependent Care FSA is $7,500. (If you are single, or married and file separate tax returns, the maximum for the Dependent Care FSA is $3,750.)
2. Your annual contribution amount is divided into the number of paychecks you’ll receive.
   • Each pay period, your FSA contributions will be taken out of your paycheck on a pre-tax basis and deposited into your FSA(s).
3. You can then use the funds to pay for eligible expenses in 2026.
• Eligible health care expenses include your medical deductible, copays and coinsurance, prescription drugs, dental care and more. To track your account balance and submit expenses, simply visit HealthSavingsAndSpending.MetLife.com. For your first-time login, click the “Create your new username and password” link.
• Validate the expenses you pay with your debit card. This brief video shows you How to Substantiate Your FSA Debit Card Transaction.

Expense Details

Over-the-counter medications with or without a prescription and menstrual care products qualify for reimbursement under the Health Care FSA.

Eligible dependent care expenses include childcare for dependents under age 13 or care for adults who are physically or mentally disabled and live with you.

FSA Tips

Keep in mind that if you elect to put money in an FSA, it’s generally designed for you to spend on eligible expenses in that calendar year. Here are ways the plan gives you some flexibility.

• Add your bank account information in the app or website for faster expense reimbursement.
• Save your FSA debit card information with retail or mail-order pharmacy for recurring prescriptions.

To track your account balance and submit expenses, simply visit HealthSavingsAndSpending.MetLife.com. For your first-time login, click the “Create your new username and password” link.

How much should you contribute?

The FSA calculator can help you determine how to estimate your expenses and tax savings.

Your contribution should be determined by how much you anticipate in out-of-pocket expenses for the year and how much you can afford to have deducted from your paycheck.