FSAs, through Optum Bank, allow you to set aside pre-tax dollars to pay for eligible health and dependent care expenses. Each year, you must elect the annual amount you want to contribute to one or both accounts. Your contributions will be deducted pre-tax from your paycheck which can help reduce your taxable income.
| Plan Features | Health Care FSA | Limited Purpose FSA | Dependent Care FSA |
|---|---|---|---|
| Eligibility | Eligible employees who are enrolled in the UHC Choice Plus HRA plan, PPO plan, or waive medical coverage | UHC Choice Plus HSA participants only | All eligible employees |
| Annual Contribution Limit | $3,400 | $3,400 | $7,500 ($3,750 if married and filing separately) |
| Eligible Expenses* | Health care plan deductibles, copays, coinsurance, and prescriptions, including dental and vision hardware and expenses |
Dental and vision expenses only |
Daycare for children age 12 and under, disabled children, and dependent adults |
| Availability of Funds | The full annual amount you elect is available on your plan effective date | The full annual amount you elect is available on your plan effective date | You can be reimbursed up to the amount available in your account |
| Payment or Reimbursement Options | Debit card or reimbursement |
Debit card or reimbursement |
Reimbursement |
| Rollover Options | Up to $680 of unused funds when you re-enroll | Up to $680 of unused funds when you re-enroll | Unused funds do not rollover |
| Services Deadline | 12/31/2026 | 12/31/2026 | 12/31/2026 |
| Submission Deadline for Reimbursement | 3/31/2027 | 3/31/2027 | 3/31/2027 |
*Refer to IRS Publications 502 and 503 for a complete list of eligible expenses.
Submit receipts and claims for reimbursement through your account at myuhc.com or call 833-312-1220.
See the Benefits Guide or flyers for detailed information.