FSA Contribution Limits Guide (2026) - Flexible Spending Account
2026 FSA contribution limits: health FSA, dependent care FSA, use-it-or-lose-it rules, and carryover options.
Summary
Health FSA limit 2026: $3,200. Dependent care FSA: $5,000. Pre-tax contributions reduce taxable income. Use funds for eligible expenses or lose unused balance.
Key Steps
- 1Health FSA: $3,200 contribution limit for 2026.
- 2Dependent care FSA: $5,000 limit for married filing jointly.
- 3Pre-tax benefit: contributions reduce taxable income.
- 4Use-it-or-lose-it: spend funds by year-end or forfeit unused balance.
- 5Carryover option: some plans allow $640 carryover to next year.
- 6Grace period: some plans offer 2.5 month grace period to spend.