FSA & HSA
Evident Scientific offers two types of Flexible Spending Accounts (FSAs) and a Healthcare Savings Account (HSA):
- Healthcare FSA (covering medical, dental, vision, pharmacy, and related expenses)
- Dependent Care FSA (primarily for childcare and dependent day care expenses)
- Healthcare Savings Account (healthcare expenses now and in the future)
The FSA accounts enable you to use pre-tax dollars to cover out-of-pocket costs. Since the FSA contributions are not included in your paycheck, you avoid paying income tax on this money. Additionally, any reimbursements you receive are tax-free. The HSA account is a tax-advantaged account to help you save and pay for healthcare expenses now and in the future.
2026 Plan Year Maximums
Flexible Spending Accounts (FSA)
Healthcare FSA: $3,400
Dependent Care FSA:
Married Employee, Filing Separately: $3,750
Married or Single Parent: $7,500
Roll over: $680 (Healthcare FSA Only)
Health Savings Account (HSA)
Employee Only: $600
Employee + Depenednt: $1,200
FSA Prepaid Debit Cards
Spend pre-tax dollars on eligible health, dependent care and/or commuter expenses using just one card. Smart card technology is coded into your card, so it can automatically pull funds from the proper account.
Healthcare FSA
The Healthcare Flexible Spending Account (FSA) through Voya allows you to set aside pre-tax money to pay for eligible health expenses, including medical, dental and vision expenses.
Eligible Expenses May Include:
- Co-pays and coinsurance
- Prescription medications
- Glasses or contact lenses
- Deductibles
- LASIK surgery
- Orthodontia
Use It or Lose It
The funds in your Healthcare FSA are use-it-or-lose-it, so it’s important to accurately estimate your upcoming expenses.
Remember you must spend the entire balance for the plan year. You’ll choose your contribution amount when you enroll during the open enrollment period.
This plan offers a roll-over feature, up to the IRS maximum for 2026 of $680. With this feature, any remaining balance, up to the $680, will roll over to the next calendar plan year automatically.
Convenient Mobile App
Capture receipts, reimburse yourself for out-of-pocket expenses, view your account balance, complete transactions and more, all on the go with your mobile device.
Secure Online Portal
Complete the same tasks you can with the app - plus file claims, get email notifications and more through a secure consumer portal.
Dependent Care FSA
The Dependent Care Flexible Spending Account (FSA) through Voya allows you to set aside pre-tax money to pay for eligible dependent care expenses. Expenses must be related to the care of a dependent child (under age 13, or any age with special needs) or dependent adult, and must enable you to work or attend school full-time.
Eligible Expenses May Include:
- Daycare
- After-school care
- Preschool
- Adult day programs
- In-home care
- Summer day camp
Eligible Expenses Must Be for the Care of:
- A dependent child who is under age 13 and whom you claim as an exemption on your tax return
- A dependent child, elderly parent, or relative who is physically or mentally incapable of caring for himself or herself
Use It or Lose It:
The funds in your Dependent Care FSA are use-it-or-lose-it, so it’s important to accurately estimate your upcoming expenses.
Remember you must spend the entire balance for the plan year or forfeit any remaining funds. You’ll choose your contribution amount when you enroll during the open enrollment period.
This plan offers a run-out feature. Meaning, you have an additional 90 days into the next calendar year to submit claims that were INCURRED in 2026. Date(s) of service must have been in 2026.
Convenient Mobile App
Capture receipts, reimburse yourself for out-of-pocket expenses, view your account balance, complete transactions and more, all on the go with your mobile device.
Secure Online Portal
Complete the same tasks you can with the app - plus file claims, get email notifications and more through a secure consumer portal.
Health Savings Account
The Health Savings Account (HSA) through Empower is a tax-advantaged account that helps you save and pay for healthcare expenses now and in the future. Your unused money automatically carries over year to year, and the HSA is yours to keep — even if you leave your job or change health plans.
Eligible Expenses May Include:
- Doctor, dental & vision exams
- Copays and deductibles
- Prescription drugs
- Vision and dental expenses
How Does It Work?
- During enrollment, you must sign up for a high deductible health plan and then sign up for an HSA.
- Choose how much money you’d like to have deducted from your paycheck each pay period to put into your HSA.
- You can use these funds immediately, up to the amount that’s been put into your account.
- When paying for eligible expenses, use your Empower Benefit Accounts card for purchases, or use personal funds and get reimbursed.
- Save your receipts in case documentation is needed.
- An HSA through Empower is seamlessly connected to your workplace retirement account so you can easily access and manage your accounts in one place.
Expanded Choices for All Consumers
- Two member cash balance options: high yield insurance backed option or standard FDIC rate
- User-friendly online portal and mobile app with helpful engagement tools including a virtual medicine cabinet, alerts, notifications, and educational resources
- Ability to add a card to a digital wallet, enabling faster, more secure and touch-free payments
- A single card can be coordinated across multiple benefit account types
Modern Investment Experience
- Investment lineup comprised of low-cost exchange-traded funds (EFTs) to reduce total cost of ownership
- Real-time trading with EFTs
- Three investment model options to meet different investor needs include the options to buy and sell from thousands of EFTs and stocks on the S&P 500 Index
