Flexible Spending Accounts (FSA)

All permanent employees are eligible to enroll. You do not need to be enrolled in the medical or dental plans to participate in an FSA Program.

You save money on your out-of-pocket expenses by paying for them with pre-tax dollars.

Yes. During Annual Enrollment, employees who wish to participate in the FSA Program must complete an election.

The Healthcare FSA rollover amount from 2025 to 2026 is $660. These monies will be available in late April/early May 2026, to allow time to submit 2025 reimbursement requests by March 31, 2026. Keep in mind you must be enrolled in an FSA in the current year in order to use the previous year’s rollover amounts. Your enrollment contributions must be at least the minimum of $10 per pay period, so if you were employed all year, your minimum is $260. 

There is no carryover available for unused Dependent Care FSA funds.

The deadline to request reimbursement from TASC for unused 2025 Healthcare and Dependent Care FSA expenses is March 31, 2026.

Your FSA enrollment will remain in effect for the entire calendar year unless you have a qualifying life event.

Yes. Spouses can both have an FSA as long as their combined contribution does not exceed the total family contribution limit.

One spouse can have an FSA and the other can have Health Savings Account (HSA) if the first spouse’s FSA is a Limited Purpose FSA or only used for their own expenses. The FSA cannot cover the HSA-eligible spouse’s medical expenses.

If your predictable expenses add up to at least $10 per pay period, you may save up to 30% by participating in the Healthcare FSA. Use the FSA Calculator to estimate your savings.

Include only predictable expenses because if your expenses do not total your election amount at the end of the year, only up to $660 of your unused Healthcare FSA election amount will roll over from 2025 to 2026. The remainder of unused funds will not be returned to you.

See some examples below or view a comprehensive list of Eligible Healthcare Expenses.

Eligible Healthcare FSA Expense Examples

• Health plan deductible, coinsurance, copays and prescriptions
• Vision exams, eye glasses and contact lenses
• Dental exams, fillings, crowns and orthodontia
• All over-the-counter drugs and medicines
• Over-the-counter healthcare items such as reading glasses, blood pressure monitors, bandages, contact lens solutions, hearing aid batteries, and menstrual care products (purchase at stores like Walgreens or Target or from the Amazon FSA Store – make sure you are in the right area of the Amazon website, and every item is marked FSA eligible). 

For more information about whether an expense qualifies for reimbursement, contact P&A Group at (716) 852-2611.

P&A Group Card – This is the most convenient. It automatically pays for most eligible expenses at the point of purchase, eliminating the need to submit a reimbursement request and wait for payment.

Request for Reimbursement – If you pay for an eligible expense out-of-pocket instead of using your P&A Card, submit a reimbursement online or use the mobile app. The receipt must include:

• Provider/merchant name
• Date of service/purchase (must be within the current plan year)
• Description of the service/purchase
• Amount of the service/purchase

Remember: A credit card receipt is not acceptable since it is not itemized.

• You may use FSA funds for all over-the-counter drugs and medications and for certain health care items such as band-aids, blood pressure monitor, and vision products.
• You do not need a doctor’s prescription for reimbursement.
• Use the P&A Group mobile app’s EZ Scan feature or check the Eligible Expenses list to determine if your purchase is eligible.

• You may want to sign up for a Dependent Care FSA if you pay for work-related child care or adult care and your expenses add up to at least $260 in a calendar year.
• Eligible dependents are:
  • Children under the age of 13 who live with you or for whom you are entitled to a personal tax exemption. Please note that expenses incurred on or after the child’s 13th birthday are not eligible for reimbursement.
  • Adult relatives who live with you, including adult children who are physically or mentally incapable of self-care.
• Use the FSA Calculator to estimate your savings.

See some examples below, or view a comprehensive list of Eligible Expenses.

Eligible Dependent Care FSA Expense Examples

• Children: Daycare, preschool, nursery school, summer day camp, before and after school programs, nanny, sick child care
• Adults: Daycare, elder care

For more information about whether an expense qualifies for reimbursement, contact P&A Group at (716) 852-2611.

Funds are deducted pre-tax from your biweekly paycheck and are available for use only after the deduction has been made (not at the beginning of the year).

Use the P&A Group website to pay for qualifying dependent care expenses. Reimbursement requests must include an itemized statement from the dependent care provider.

Employees enrolled in the High Deductible Health Plan (HDPH) with HSA may contribute to a Limited Purpose Healthcare FSA in addition to the Health Savings Account.

A Limited Purpose FSA is used for eligible dental and vision expenses only until you meet your health plan annual deductible.

If you meet your deductible, please contact Benefits at (727) 464-3367, option 1 to request that your Limited Purpose FSA be converted to a traditional Healthcare FSA, which may be used for eligible medical expenses (see Eligible Expenses) in addition to dental and vision expenses.