Flexible Spending Accounts

FSAs 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 $3,400 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 2027.
• 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 my.healthequity.com. Starting January 1, 2027, click “Register your account” to create your new username and password.

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 child care for dependents under age 13 or care for adults who are physically or mentally disabled and live with you. 

Introducing your new FSA experience powered by HealthEquity

We’re enhancing your Flexible Spending Accounts (FSA) experience with new digital tools and an upgraded debit card beginning in 2027. Here’s what you need to know: 

• Register your account starting January 1, 2027. Visit my.healthequity.com and download the HealthEquity mobile app to manage your account on the go. 
• Watch for your new debit card. Before the end of 2026, you’ll receive a new chip-enabled FSA debit card at your home address. Additional cards are available upon request. 
• Keep and upload your receipts. While HeatlhEquity’s enhanced technology will increase automatic claim substantiation, you may still be asked to provide supporting documentation. Documentation requests are generally initiated 30 days after transaction. Saving receipts in the HealthEquity mobile app allows smart matching technology to automatically verify eligible expenses and simplify the process. 

For general questions regarding your health care and dependent care FSAs, please contact MetLife at 833-675-2831 (Monday – Friday, 7 am – 7 pm CT). Starting January 1, 2027, call HealthEquity Member Support at 866-346-5800 (24 hours a day, 7 days a week). 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.

How much should you contribute?

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. 

Note: Since MetLife is not exclusive to ExxonMobil, refer to the Summary Plan Description at exxonmobilfamily.com for a list of covered expenses under the Health Care and Dependent Care FSAs. 

Important information about FSA carryover and grace period

• 2026 health care FSA: Eligible expenses incurred between January 1 and December 31, 2026 must be submitted by March 31, 2027 through the MetLife Health Savings & Spending Account portal/app (healthsavingsandspending.metlife.com).
• 2026 dependent care FSA: Eligible expenses incurred between January 1, 2026 and March 15, 2027 may be submitted for reimbursement through June 15, 2027 via the MetLife Health Savings & Spending Account portal/app. 
• 2026 health care FSA carryover: Any eligible carryover balance from your 2026 health care FSA will be available in the HealthEquity website/app by May 15, 2027. 

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.