Tax-advantaged FSAs are a great way to save money. The money you contribute to these accounts comes out of your paycheck without being taxed, and you withdraw it tax-free when you pay for eligible health care and dependent care expenses.

 

     

 

HRI offers the following FSAs:

Health Care FSA

• Pay for eligible health care expenses such as plan deductibles, copays, and coinsurance, as well as eligible dental and vision expenses.
• Contribute up to $3,300 in 2025.

Dependent Care FSA

• Pay for eligible dependent care expenses such as day care for a child so you and/or your spouse can work, look for work, or attend school full time.
• Contribute up to $5,000 in 2025, or $2,500 if you are married and filing separately.

Please note, you are only eligible to elect the healthcare FSA if you are enrolled in the PPO medical plan and do not participate in a HDHP.

 

Use It or Lose It

Keep in mind, FSAs are “use-it-or-lose-it” accounts. For healthcare FSA’s, you will forfeit any amount above $660 left in the account at the end of the 2025 plan year. For dependent care FSAs you will forfeit any money left in the account at the end of the plan year.

When you enroll in a healthcare or dependent care FSA, UnitedHealthcare will send you a debit card, which you can use to pay for eligible expenses. Depending on the transaction, you may need to submit receipts or other documentation to UnitedHealthcare.

Please note, you are only eligible to elect the healthcare FSA is you are enrolled in the PPO medical plan and do not participate in a HDHP.

What's an Eligible Expense?

• Health Care FSA – Plan deductibles, copays, coinsurance, and other health care expenses. To learn more, see IRS Publication 502 at irs.gov.
• Dependent Care FSA – Child daycare, babysitters, home care for dependent elders, and related expenses. To learn more, see IRS Publication 503 at irs.gov.

Commuter Benefits

Another great way to save money through tax-free spending is HRI’s commuter benefits program. You can use before-tax dollars to pay for monthly parking or transit costs related to your work commute. It’s easy and flexible. Before-tax deductions are allowed up to the IRS limit of $280 per month for parking or transit expenses.

To enroll in the program, choose the FSA benefit online in ADP. Once your account is set up, you can elect your monthly benefits and set it up to automatically renew if you choose. Please note you must make your benefit election by the 10th of the month prior to the benefit month.

Questions? Call 833-225-5939 available 24/7 (TTY users can dial 711). The toll-free number goes directly to customer service – just reference CERA/Commuter Expense!

Using your Commuter Benefits is Easy!

Upon enrollment, you will receive registration information for the LEAP portal from WEX for more information on how to submit parking reimbursements.