Health Care Flexible Spending Account

The Health Care Flexible Spending Account (FSA) allows you to set aside before-tax dollars for health care expenses, such as doctor visit copays, deductible expenses, and dental and vision care needs.

The Health Care FSA works with traditional medical plans, like the $1,000 Deductible plan (formerly, PPO), but it does not work with HSA-eligible plans, like the $2,000 Deductible (NEW!), $3,000 Deductible (formerly, CDHP20) or $4,000 Deductible (formerly, CDHP30) plans.

You can enroll in the Health Care FSA even if you’re enrolled in an eligible, non-Equifax medical plan.

Compare the HSA and the FSAs 

You can elect to contribute up to $2,750 in 2020 to your Health Care FSA. 

Your entire Health Care FSA election is available to you on January 1, even if you haven’t yet saved the full amount.

The IRS determines how you can use your Health Care FSA. See the full list of IRS-approved expenses.

Unused Health Care FSA funds do not roll over from one plan year to the next. Any unused amount will be forfeited.

You have until December 31 to spend the money in your FSA and until March 31 of the following year to submit your claims.

You must enroll in the FSA for every year you want to participate.

In-network medical and dental expenses are paid automatically from your account.

You pay other eligible expenses out-of-pocket and are reimbursed from your account in tax-free dollars after submitting an expense claim form.

If you would like to opt out of automatic claims payment and manually submit your expenses, log on to the Cigna website at and print out a pre-populated form or contact Cigna directly at 800-244-6224.

Contact Information


Log in to your personal online Cigna account to learn more.


Call 800-244-6224 to speak with a Cigna representative.