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Flexible Spending Account Program for the Federal Government (FSAFEDS) Benefits

Program Description

The Federal Flexible Spending Account Program (FSAFEDS) provides tax-advantaged flexible spending accounts that Federal employees can use to save on their eligible health care and dependent care expenses. By using pre-tax payroll contributions rather than post-tax salary to pay for these out-of-pocket costs, participants save an average of 30 percent on their family's health, dental, vision, and day care expenses.

General Program Requirements

To be eligible for a health care flexible spending account, you must be employed by an agency that participates in FSAFEDS and be eligible to enroll in the Federal Employees Health Benefits Program (FEHB), though you do not actually need to be enrolled in FEHB.

To be eligible for a limited expense health care flexible spending account, in addition to the above, you must be enrolled in or covered by a High Deductible Health Plan with a Health Savings Account. A health savings account allows employees to pay out-of-pocket health expenses pre-tax, so FSAFEDS participants who have a health savings account can elect this limited expense flexible spending account that only reimburses eligible dental and vision expenses.

To be eligible for a dependent care flexible spending account, you must be employed by an agency that participates in FSAFEDS. You are not required to be eligible for FEHB. Intermittent and When Actually Employed (WAE) employees are not eligible for dependent care accounts. You and your spouse must be working, looking for work, or attending school full-time to be eligible for a dependent care account. You and your spouse must earn income during the year, even if looking for work, but not if attending school full-time.

Participants can have both a dependent care flexible spending account and a health care or limited expense health care flexible spending account.

By law, annuitants are not eligible to participate in flexible spending account programs such as FSAFEDS.

Your Next Steps

The following information will lead you to the next steps to apply for this program.

Application Process

Eligible employees can enroll in FSAFEDS during the annual Federal Benefits Open Season in November and December. New and newly eligible employees can enroll outside of Open Season within 60 days of their start date, but such an enrollment must take place on or before September 30. Eligible employees can also enroll outside of Open Season within 60 days of a Qualifying Life Event (QLE) such as marriage or birth, but such an enrollment must take place on or before September 30. Newly eligible and QLE employees who miss the September 30 deadline can enroll during Open Season.

Unlike some other benefits, FSAFEDS enrollments do not renew automatically each year. Participants must actively enroll each Open Season if they wish to have a flexible spending account in the next year.

To enroll, visit the FSAFEDS website or call 1-877-FSAFEDS (372-3337). TTY 1-800-952-0450.

Program Contact Information

Interested employees can learn more about FSAFEDS by visiting the FSAFEDS website or by calling an FSAFEDS Benefits Counselor at 1-877-FSAFEDS (372-3337). TTY 1-800-952-0450.

Benefits Counselors are available Monday through Friday, 9:00am to 9:00pm eastern time.