Flexible Spending Account (FSA)
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What you need to know about an FSA
An FSA helps your pre-tax dollars go further for qualified expenses.
- Use pre-tax dollars from your paycheck to pay for out-of-pocket healthcare expenses.
- Tax-free withdrawals for qualified healthcare expenses, with more money available for you.
- You can withdraw a full year of FSA elected contributions on day one (whether or not you have actually made any contributions).2
Expenses covered
Healthcare expenses can really add up. That’s a good reason to take advantage of an FSA. It lets you use pre-tax dollars to pay for out-of-pocket qualified healthcare expenses, such as:
- Copays, coinsurance and deductibles.
- Office visits, X-rays and lab work.
- Qualified vision and dental expenses.
- Prescriptions and over-the-counter medications and supplies.
- Other qualifying items like blood pressure monitors and diabetes testing supplies.
Valuable features make it easy
- Simple enrollment and account setup.
- Automatic payroll deduction of your elected FSA contribution amount.
- Single, smart, multi-purpose debit card for payments, plus contactless payment options.
- 24/7 account access through an online portal and mobile app.
- Convenient receipt organizer to store documentation.
- Shop, choose and purchase eligible items through Health Shopper via Amazon. Purchase on the site with your MetLife debit card. Plus, Amazon Prime members get free shipping.
A Health Flexible Spending Account (FSA) can help you save money on healthcare expenses by letting you use pre-tax dollars to pay for qualified out-of-pocket healthcare expenses for yourself, your spouse and your dependents.
You can enroll in an FSA during open enrollment or upon the occurrence of a qualifying event.
Flexible Spending Account FAQs
Pre-tax dollars are funds from your paycheck that are credited to your FSA before taxes are deducted. Since you’re not paying taxes on the money you contribute, you end up with more money to use for qualified expenses.
Contributions are automatically transferred from your paycheck and credited to your FSA. These funds can then be used for qualified expenses.
The contribution maximum for 2025 is $3,300.2 Your contribution should be determined by how much you anticipate in out-of-pocket expenses for the year and how much you can afford to have deducted from your paycheck.
There are three ways to pay for expenses: use a smart debit card connected to your account, pay providers directly through your FSA online portal or submit receipts for reimbursement.
You can use FSA funds for a range of out-of-pocket expenses. These include copays, coinsurance and deductibles, office visits, hospital bills, prescriptions, over-the-counter medicine and drugs and qualified dental and vision care diagnostic items such as diabetic testing supplies and more.
You’ll have 24/7/365 online access to account information through the online portal and mobile app. You’ll be able to view details on your contributions, balance and spending. You can download the MetLife HS&SA app for your device from the Apple app store or Google Play and log in using the password you use to access the online portal.
Funds not used to cover qualified expenses by [DATE] will be forfeited. Funds in excess of $660 not used to cover qualified expenses by the end of the calendar year will be forfeited. However, your employer allows you to roll over up to $660.2
Expenses must be incurred before your termination date to be eligible for reimbursement (unless you are eligible for and choose COBRA continuation coverage of your FSA). You can apply for reimbursement from your FSA funds for eligible expenses until your account is depleted or the claim period established by your employer expires.
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Health Savings & Spending Accounts
Health Savings & Spending Accounts: a suite of savings and spending solutions created with your life in mind.
1 Contribution limits are subject to change and should be checked on an annual basis on the IRS website. Limitations apply.
2 See IRS publication 15-B available at https://www.irs.gov/pub/irs-pdf/p15b.pdf for a list of qualified expenses. In addition, there may be legislation or additional publications that may modify or expand available qualified expenses. Please refer to your employer’s plan document for the latest list of qualified expenses under your plan.
Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or individual. Participants should consult with their own advisors for such advice. Federal and state laws and regulations are subject to change.