FSA + Open Enrollment = More Savings for You

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Choose your FSA elections during Open Enrollment, May 8 - 26, 2026

Open Enrollment is the time to choose how much you want to contribute to your Flexible Spending Account. Now is a good time to check your balance in your Navia Portal and decide how much you'd like to contribute next year.

Unlike other benefits, FSA elections do not carry over from year to year, so if you want an FSA this year, you must enroll or re-enroll during Open Enrollment. We don't want you to miss out - so double check your FSA elections in yourBenefits Portal during Open Enrollment.

New higher IRS FSA maximums!

⭐The IRS has increased the Dependent Care FSA amount, for the first time in 30 years!

• Dependent Care FSA: between $120 - $7,500 (per household), ($3750 if married and filing separately)

The IRS also increased Healthcare FSA amounts:

• Healthcare FSA: between $120 - $3,400

Can someone please explain FSAs to me?

An FSA, or Flexible Spending Account, lets you use pre-tax dollars to pay for eligible healthcare or dependent care expenses.

If you've never had an FSA, you might have a lot of quesitons about how it actually works. And if you've had one for a while, you still may have questions about how it works for your situation.We can help!

Join a City of Portland specific webinar with our FSA partner Navia on Monday, May 18th from 9am - 10am.

You'll hear about Healthcare FSAs and Dependent Care FSAs from Navia staff and have a chance for live Q & A to learn how this benefit can save you money on healthcare and dependent care expenses.

Register for the May 18th FSA webinar

➡️ While you're waiting, explore the City's Flexible Spending Account (FSA) site for City specific details, FSA estimators, a short video and other helpful FAQs.

Learn all about Flexible Spending Accounts

Help! I might have unsued funds from my Healthcare FSA

Don't worry! You still have time to spend your FSA funds for the 2025-2026 year.

• Have you submitted all your eligible expenses for reimbursement through Navia?
• Have you purched the medical supplies you may need using your Navia Debit card (sunscreen anyone?)
• Have you explored the FSA Store for last minute items you may need?
• If you have last minute expenses for the plan year, you can submit receipts for reimbursement to Naiva by September 28. 2026 for expenses incured before June 30, 2026 for reimbursement

After June 30th, Navia will tell the City about any unused Healthcare FSA funds.

Rollover amounts for 2026-2027

Between $50 and $660 of unused 2025-2026 Healthcare FSA dollars will carry over into the new year automatically. These funds will be available for use late July, 2026.

$0 of Dependent Care FSA funds rollover. These funds are use it or lose it

Surprising Ways to Use Your FSA

You probably know FSAs cover prescriptions and doctor visits - but did you know they can also be used for items like:

• Menstrual care products
• Sunscreen and first aid kits
• Over-the-counter medications (like allergy relief or pain relievers)
• Mental health services and therapy
• Eye exams, glasses, and contacts
• Air Filters / Air Purifiers
• Braces (Dental)
• Light Therapy
• Electrolytes
• Massage Gun / Foam Roller

There are thousands of eligible expenses. If you haven't explored the full list, you might be missing out! Visit the FSA List to discover everything you can buy or be reimbursed for. Or shop directly at the FSA store.

Moda Health Members - A Quick Reminder Not to Double Dip

If you are a Moda Health Member you qualify for a Garner Health Reimbursement Account. You need to be careful not to double dip. You can't submit the same expense to both your FSA and your Garner account. Choose one or the other depending on the situation.

Make the Most of Your FSA

Your FSA is a powerful tool for saving money on healthcare expenses you're already paying for. Check your balance, explore eligible items, and plan ahead so you can use every dollar wisely.

Questions? Visit Flexible Spending Accounts for more details or reach out to the Benefits team.

You can make your FSA elections during Open Enrollment: May 8 - 26, 2026 through your Benefits Portal.

Lean more about Open Enrollment

Learn more at the Open Enrollment Hub or contact your City Benefits team at [email protected]

Flexible Spending Accounts (FSA)

See all Open Enrollment onsite and online events: Open Enrollment Benefit Sessions