The Health Care Flexible Spending Account (FSA) allows you to set aside pre-tax dollars to pay for your eligible out-of-pocket healthcare expenses. Eligible medical, vision, and dental expenses such as deductibles, co-payments, co-insurance, prescribed over-the-counter drugs, eyeglass hardware, and other out-of-pocket expenses incurred by you or your eligible dependent may qualify.

The 2023 contribution limit for health FSAs is $3,050

The 2024 contribution limit for health FSAs is $3,200

 

Carryover Feature

The carryover feature allows participants to roll over a portion of unused Health Care FSA funds to use in the subsequent plan year. Unused funds over the annual carryover limit will be forfeited. 

2023 annual carryover limit - $610
2024 annual carryover limit - $640

Processing a Claim

The Health Care FSA is pre-funded, meaning you will have access to your full annual election amount at the beginning of the plan year, regardless of the amount you have contributed. The Navia Benefits debit card is loaded with the participant’s full election amount and pulls funds directly from their FSA account for eligible expenses, much like a debit card. Participants can also request reimbursement of out-of-pocket expenses through the Navia Online Claim Submission tool, the MyNavia App, or by submitting a Navia FSA claim form, with attached itemized documentation, to Navia Benefits by email, fax or mail.