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.

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

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