U.S.: Understanding Your Benefits: Tax Advantaged Savings Accounts

Eligibility: Only employees enrolled in the PPO medical plan or who waive medical coverage through Mauser are eligible to enroll in the Health Care FSA plan.

Contribution Limits: Employers set the maximum amount that you can contribute; however, it can’t exceed the annual IRS limit. Mauser’s FSA limit for 2025 is $3,200. Limits have not been set for 2026.

How do I contribute to my health care FSA? When electing to participate in a health care FSA, you determine the amount of money you want to contribute to the account over the course of the year. The amount you elect is evenly deducted from your paycheck throughout the year.

Additionally, the entire amount you elect to contribute to your health care FSA is available as of January 1 – even funds you have not yet contributed.

How do I use my health care FSA? Using your FSA is easy. Your FSA comes with a handy debit card, which makes it easy to pay for services from your FSA. Other options include:

• Automatic payment-Claims from UHC Medical and Rx will automatically rollover and reimburse you from the FSA.
• Online claim form-Easily submit claims on myuhc.com to get reimbursed from your FSA.
• Direct deposit-UHC can reimburse your money directly into your personal bank account.

What can I spend my health care FSA on? You can use your FSA for qualified medical expenses and services, as defined by the Internal Revenue Service. The list of qualified medical expenses is extensive, but some of the more common expenses and services include:

• Deductibles
• Copayments
• Prescription medication
• Over-the-counter medication
• Vision care, including prescription eyeglasses and contact lenses
• Thermometers
• First-aid kits
• Hearing aids
• Diabetic supplies
• Chiropractic care

What if I don’t use all of my health care FSA funds before the end of the year? Any unused health care FSA funds are forfeited at the end of the year. You can incur expenses only during the plan year you are enrolled in (January 1 through December 31), and the claim filing deadline is 90 days after the end of the plan year on December 31.

This makes it important to accurately estimate how much to contribute to this account each year and to make sure you spend your full contribution before the end of the year.

Use the UHC FSA Saving Calculator to help determine how much to contribute to a health care FSA account.

View the UHC Health Care Flexible Spending Account brochure for more information.

• An individual (with employee only coverage) and employer can contribute up to $4,300.
• An individual (with family coverage) and employer can contribute up to $8,550.
• Eligible individuals, 55 or older, can contribute an additional catch-up contribution of $1,000 per year.

How do I contribute to my HSA? An HSA account is automatically opened for any employee who elects to participate in a HDHP. You can contribute to your HSA account through payroll deduction or by making one time or recurring deposits into your account.

Additionally, Mauser will contribute to employee HSA accounts up to $1,000 (single) or $2,000 (family) for full year participants. Of this amount, enrollees of January 1 receive employer provided seed funding of $250 (single) or $500 (family) that is deposited into the HSA account by the end of January. The remaining employer HSA contribution can be earned through participation in wellness activities coordinated through Personify Health.

How do I use my HSA? With Optum Bank, using your HSA is easy. Your HSA comes with a handy debit card, which makes it easy to pay for services from your HSA. You can also reimburse yourself by submitting a Reimbursement Form or use the Pay a Bill feature to pay your provider.

With an HSA account, funds must be available in your account before they can be used to cover qualified expenses.

What can I spend my health care HSA on? Use your HSA to pay for qualified medical, dental, vision, hearing, and prescription expenses, plus copays, coinsurance, and hundreds of eligible items and services.

What if I don’t use all of my HSA funds before the end of the year? Nothing! The money in your HSA is always yours. There is no “use-it-or-lose-it” rule. All amounts in your HSA are fully vested, and unspent balances in accounts remain there until spent. Your account is also portable meaning your money stays put even if you:

• Change jobs
• Change medical coverage
• Become unemployed
• Move to another state
• Get married or divorced

Additionally, any HSA balance over $2,100 is eligible for investment options which helps you further grow your funds. This will enable the contributions you make today go even further in the future.

View the UHC Health Spending Account User Guide for more information.

Eligibility: Only employees enrolled in a high-deductible health plan (HDHP), also known as an HSP/HSA and are enrolled to contribute to an HSA are eligible to contribute to an LPFSA account.

Contribution Limits: Employers set the maximum amount that you can contribute; however, it can’t exceed the annual IRS limit. Mauser’s LPFSA limit for 2025 is $3,200. Limits have not been set for 2026.

How do I contribute to my health care FSA? When electing to participate in a limited purpose FSA, you determine the amount of money you want to contribute to the account over the course of the year. The amount you elect is evenly deducted from your paycheck throughout the year.

Additionally, the entire amount you elect to contribute to your health care FSA is available as of January 1 – even funds you have not yet contributed.

How do I use my health care FSA? Using your LPFSA is easy. Reimbursement can be requested using the following options:

• Online claim form: Easily submit your claims on myuhc.com to get reimbursed from your LPFSA.
• Direct deposit: UHC can reimburse your money directly into your personal bank account.

What can I spend the money in my limited purpose FSA? LPFSAs can be used to cover the costs of qualified dental and vision expenses. LPFSA cannot be used for medical expenses. Here are some examples of out-of-pocket expenses you can use an LPFSA for:

What if I don’t use all of my health care FSA funds before the end of the year? Any unused LPFSA funds are forfeited at the end of the year. You can incur expenses only during the plan year you are enrolled in (January 1 through December 31), and the claim filing deadline is 90 days after the end of the plan year on December 31.

This makes it important to accurately estimate how much to contribute to this account each year and to make sure you spend your full contribution before the end of the year.

Eligibility: Any employee who has a dependent child under the age of 13 or parent for which they pay for care. This account is available regardless of enrollment in one of the Mauser medical insurance plans.

Contribution Limits: Employers set the maximum amount that you can contribute; however, it can’t exceed the annual IRS limit. Mauser’s limit for 2025 is $5,000. Limits have not been set for 2026.

How do I contribute to my dependent care FSA? When electing to participate in a dependent care FSA, you determine the amount of money you want to contribute to the account over the course of the year. The amount you elect is evenly deducted from your paycheck throughout the year.

How do I use my dependent care FSA? Using your Dependent Care FSA is easy. Reimbursement can be requested using the following options:

• Online claim form: Easily submit your claims on myuhc.com to get reimbursed from your LPFSA.
• Direct deposit: UHC can reimburse your money directly into your personal bank account.

Unlike a health care FSA, dependent care FSA funds must be in your account before they can be used. If your dependent care FSA balance is less than the amount of your claim, you will only be reimbursed money that is available in your account at that time. The remainder will be reimbursed once your future contributions are deposited into your FSA.

What can I spend my dependent care FSA on? Dependent care FSAs can be used to cover the costs of qualified child or adult care expenses. Here are some examples of expenses you can use a dependent care FSA for:

What if I don’t use all of my health care FSA funds before the end of the year? Any unused dependent care FSA funds are forfeited at the end of the year. You can incur expenses only during the plan year you are enrolled in (January 1 through December 31), and the claim filing deadline is 90 days after the end of the plan year on December 31.

This makes it important to accurately estimate how much to contribute to this account each year and to make sure you spend your full contribution before the end of the year.