Flexible Spending Arrangements (FSAs)
Flexible Spending Arrangements (FSAs) allow you to set aside pretax money from your paycheck to pay for out-of-pocket health care costs.
Generally, FSAs are available to school employees who are expected to work at least 630 hours during the school year.
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Need to manage your FSA?
Two types of FSAs
The SEBB Program offers: an FSA and a Limited Purpose FSA. Listen to the Fund Your Future DRS podcast episode: Save on health care costs with FSA and DCAP to learn more about FSAs.
- FSA
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The FSA covers a wide range of health care expenses. See eligible expenses.
Use your FSA to pay for expenses for you, your spouse, or your qualified tax dependents, even if they are not enrolled in your SEBB coverage.
- Limited Purpose FSA
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The Limited Purpose FSA covers only dental and vision expenses. It is intended for employees enrolled in UMP High Deductible with a health savings account (HSA). See eligible expenses.
Use your Limited Purpose FSA to pay for dental and vision services for you, your spouse, or your qualified tax dependents, even if they are not enrolled in your SEBB coverage.
Important information about FSAs
You cannot have both an FSA and a Limited Purpose FSA, nor can you have an FSA and be enrolled in UMP High Deductible with a health savings account.
- If you enroll in both an FSA and UMP High Deductible in the same year, you will be automatically disenrolled from the FSA.
- If you have UMP High Deductible you can enroll in a Limited Purpose FSA for eligible dental and vision expenses.
Contributions and carryover
- Contributions
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2025 contributions: A minimum of $120, up to a maximum of $3,200
Note: You cannot change your contribution amount or cancel your FSA or Limited Purpose FSA after the year starts unless a qualifying event creates a special open enrollment. Common qualifying events include birth, adoption, marriage, or divorce.
Why is the IRS maximum contribution limit different from what HCA adopts?
The maximum contribution limit is set by the IRS, and the amount is usually announced in late fall after HCA's annual open enrollment begins. Due to the timing of the IRS announcement, HCA adopts the increased maximum contribution limit for the following plan year.
- Carryover
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If you have not spent all the funds in your FSA by December 31, and you are still employed and didn't lose eligibility for the FSA, you may be able to take advantage of the carryover feature. Certain unspent funds may "carry over" into the following year without affecting annual maximums.
To carry over your unspent funds:
- You must enroll in either the FSA or Limited Purpose FSA for the following year, or
- Have at lease $120 left in your account balance.
2026 carryover
Unused funds up to $660 will carry over to 2026. Due to IRS rules, any funds above $660 will be forfeited to HCA.
How do I enroll?
You must enroll in a FSA for each plan year you want to participate. Enrollment does not automatically continue year to year. If you want to enroll, make sure to choose this benefit again during each open enrollment.
- During open enrollment
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Visit the Navia Benefit Solutions website. Or, download and print the Open Enrollment Form on Navia's website. Open enrollment is the only time you can enroll online.
- When you're first eligible
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Submit the Midyear Enrollment Form to your payroll or benefits office no later than 31 days after the date you become eligible for SEBB benefits.
- If you have a special open enrollment event
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Submit the Change in Status Form to your payroll or benefits office no later than 60 days after you or an eligible family member has a qualifying event that creates a special open enrollment.
- Transferring to another SEBB organization?
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You can continue your FSA election if the time between employment is 30 days or less and within the current plan year.
Submit the School Employment Transfer Form to your new employer's payroll or benefits office no later than 31 days after your first day of work. If you end employment or retire during the year, submit the SEBB FSA Termination form to your payroll or benefits office.
How do I submit claims?
Visit Navia Benefit Solutions to submit claims.
When you incur an eligible expense, you can submit a claim to request reimbursement. You also can sign up for a debit card.
You can start submitting claims for eligible expenses on or after the first day of your plan year, January 1. The full amount you set aside for your FSA contribution is available on January 1.
Deadlines
You must incur all expenses by December 31, and submit all claims to Navia Benefit Solutions for reimbursement by March 31 the following year. If you are no longer employed or have retired and still have money left in your account, you can still submit claims for reimbursement until March 31, so long as the services took place while you were employed.
What happens to my funds when coverage ends?
When your SEBB insurance coverage ends – or you go on unpaid leave that is not approved under the Family and Medical Leave Act (FMLA) or military leave – you are no longer eligible to contribute to your FSA. Eligibility ends on the last day of the month you lose coverage or go on FMLA or military leave.
You will be able to claim expenses that happened only while you were employed, unless you are eligible to continue your FSA under SEBB Continuation Coverage. You must submit claims for reimbursement by March 31 the following year.