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Health care flexible spending accounts (FSAs)

A health care FSA reimburses you for eligible health care expenses for you and your eligible dependents. Eligible expenses include medical, dental, vision, hearing and prescription drug expenses. You can also use FSA funds to pay for copays, coinsurance and certain over-the-counter (OTC) items. 

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What can I buy?
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Download our new mobile app

Whether you’re new to our app or a current user, we help you make the most of your FSA benefits.

Learn more

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Use it — don't lose it!

Find out ways you can use your funds so you don't lose them.

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Eligible expenses

Learn about eligible health care expenses for your health care FSA. 

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Learn how FSAs work

A health care FSA lets you cover eligible health expenses with before-tax dollars.

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Save up to 30% with your FSA card

Your FSA card is the fastest and most convenient way to pay for qualified expenses like bandages, braces, chiropractors and more. Plus, you save up to 30% since you’re using pre-tax dollars.* Browse qualified expenses.

Save even more with Optum Now. Use code OPTFSA7 to save an extra 7%. Shop Optum Now today.

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Don't leave money behind

In most cases, your health care FSA funds are available as soon as they appear in your account. It’s important to understand that in most cases, FSAs have a "use-it-or-lose-it" rule. That means you may lose any money left in your account at the end of the plan year. Use your FSA card to shop local retailers and save up to 30%* since you're using pretax dollars. Learn more.

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Tax savings 

Your taxable income is reduced by the amounts you deposit into your FSA accounts, up to IRS limits.

2025 limits:

  • Health care FSA max IRS election: $3,300
  • Dependent care FSA max IRS election:
    • Individual: $2,500
    • Family: $5,000
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Additional resources

Getting started with your FSA

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Common FSA eligible/ineligible expenses 

This document helps you determine which expenses may be eligible for reimbursement under your health care FSA.

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Tips for spending your FSA 

It’s important to understand the "use-it-or-lose-it" rule for FSAs. That means you may lose any money left in your account at the end of the plan year.

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Paying with your FSA

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FSA: How to upload a receipt

Learn how to upload a receipt for an Optum Bank debit Mastercard® purchase.

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FSA: How to file a claim

Watch this video for step-by-step instructions on how to file a claim.

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Using your FSA card

Use your FSA card for everyday health expenses like bandages, chiropractors and contacts — all while saving 30% with pre-tax funds.*

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*Savings compares using pre-tax income in your FSA to using after-tax income for purchases and assumes a 30% combined tax rate from all applicable federal, state and FICA taxes. Results and amount will vary depending on your circumstances.