Health Care Reform

Health FSA Contribution Limits

Effective for plan years beginning on or after January 1, 2013, the amount employees may contribute to a Health FSA is capped at $2,500 per year, indexed for a cost-of-living adjustment. Plan sponsors can amend cafeteria plans retroactively to reflect the $2,500 limit at any time through December 31, 2014. However, the plan cannot allow a participant to make salary reduction contributions for a plan year beginning January 1, 2013 and after in excess of the $2,500 limit.

The $2,500 limit applies only to salary reduction contributions, not to other employer contributions such as flex credits. The limit applies separately to each individual who is eligible to participate in a Health FSA; if each spouse is eligible to participate in a Health FSA through the same or different employers, each spouse can separately contribute $2,500. Finally, unused salary reduction contributions to a Health FSA for a plan year beginning in 2012 or later that are carried over to the grace period for that plan year will not count against the $2,500 limit for the subsequent plan year.

+ Expand

Health FSA Contribution Limit Hot Topics & FAQs

American Fidelity Assurance Company does not provide tax or legal advice.


Next Steps

Sign up for Updates

VIP Notification Service

We provide a VIP Notification Service to keep you informed as new Health Care Reform rules are issued.
Click here to sign up.

You’re Not Alone

We understand that these new requirements come at a time of strained budgets. 
Learn how our services and products can help.

Health Care Reform Timeline

What’s Due – And When? A simple timeline breaks down the new rules for you! Learn More

Time Line

Quick Access

  • Your Account

    View your policies, download forms and check the status of your claims - all in one spot!

  • Claim & Flex Forms

    1Select the forms you need:

    Flex Benefits
    Accident Benefits
    Cancer Benefits
    Critical Illness
    Disability Benefits
    Hospital Indemnity
    Life Benefits
    Medical (GAP)
    HRA Benefits

    2Select your state & industry:

  • Check Claim Status
  • FAQs

    Please select a category or type your question in the box below.

    Keyword Search
    All FAQs