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Medical Flexible Spending Account (MFSA)
A medical Flexible Spending Account is a special non taxed account that saves you money on medical care such as co-pays, deductibles, vision care, dental care, prescription drug co-pays, and virtually anything that you would pay out of your pocket related to your health that is non cosmetic and allowed by the IRS. You will receive a debit card that allows you to conveniently access this money. You can also file paper claims.
Health Reimbursement Arrangement (HRA)
A Health Reimbursement Arrangement is an account set up and funded by Knox County Government on your behalf. You use the money in this account for the same types of services and supplies that you would for your Flexible Spending Account. Depending on the plan you selected during open enrollment and whether or not you participated in the health risk assessment with biometrics, you may be eligible to receive money from Knox County.
Medical FSAs and HRAs; How they Work Together
If you have both a Flexible Spending Account and a Health Reimbursement Arrangement account, you will access money from both of these accounts through the same debit card or using the same claim forms. Since your Health Reimbursement Arrangement account rolls over to the next year but your Flexible Spending Account money doesn’t, money will come out of your Flexible Spending Account first. That way, if you do not use up your Health Reimbursement Arrangement dollars before the year is out, they will still be there for you the following year.
Enrollment and Fund Availability
Under medical FSA and HRA plans, you have access to the entire yearly amount of money you elected as soon as your benefits are effective. This is regardless of how much you have actually put into the account yourself. For example, if you elect $2,600.00 for the year but have only paid $100 in ($2,600.00 divided by 26 pay periods each year), the entire $2,600.00 will be available for your use right up front regardless of how little you have paid in. Also, any HRA contributions you are eligible for will be in the account available for you to use on the date your benefits are effective. You then pay back the plan over the course of the plan year with your pre-taxed payroll deductions.
Note: The start date may be different for qualifying events or new hires. Knox County’s FSA plans run on a calendar year basis.
Dependent Care Flexible Spending Account (DFSA)
The Dependent Care Flexible Spending Account is a special non- taxed account that saves you money on dependent care such as day care or after school care, summer care, adult day care, or any other dependent care expense allowed by IRS guidelines. The Dependent care FSA is designed to allow you to use tax -free day care while you and your spouse work or attend school full-time. The IRS code has set the maximum contribution for the Dependent Care FSA at 5,000.00.