COBRA/Direct Bill Employer login
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An LPFSA empowers you to maximize tax savings for dental and vision expenses. Plan your spending, know the rules and unlock amazing tax savings.
LPFSAs are tax-advantaged accounts that let you use pre-tax dollars to pay for eligible dental and vision expenses. Members save on average 30 percent1 on hundreds of products and services. Don’t think of it as money deducted from your paycheck—think of it as money added to your wallet.
24/7 member services
Award-winning mobile app2
Convenient Help Center
Easy account management
You can enroll in a health plan and sign up for an LPFSA as a new employee and during your organization's annual enrollment period.
It pays to be strategic.
Because of the tax savings on contributions, you can save an average of 30 percent1 on qualified medical expenses, including but not limited to:
Here’s an example based on $1,900 annual spending and a 30 percent effective tax rate.
Annual tax savings1
Once you choose an annual contribution, your employer will deduct that amount pre-tax in equal parts from each paycheck.
Individual and family limit
Because your HSA stays with you forever, it’s nice if you can avoid spending your HSA dollars. That’s where an LPFSA offers incredible flexibility. Use your LPFSA to pay for routine vision and dental expenses, then save your HSA for long-term healthcare expenses.
Don’t get caught by surprise. Carefully review your open enrollment materials.
Unused LPFSA funds are eventually forfeited back to your employer, so it’s important to be aware of spend-down deadlines. Consult your plan documents for complete details.3
Elections can only be made during open enrollment unless you have a qualifying life event,4 which may include changes to:
You can’t get reimbursed twice for the same expense (example: reimbursement + deduction from tax returns).
Check out these additional resources.
Level up your health savings. Discover helpful strategies for using an LPFSA—and how to save your HSA for a rainy day.
1The example used is for illustrative purposes only; actual savings may vary. The figure is based on average tax rates, including state, federal and FICA taxes.Return to content
2Accounts must be activated via the HealthEquity website in order to use the mobile app.Return to content
3Plans vary by employer. Please review your plan documents carefully or consult your employer for information about your company's benefits.Return to content
4Please refer to your plan documents for more information.Return to content
HealthEquity does not provide legal, tax or financial advice. Always consult a professional when making life-changing decisions.