Year-end reminders for your flexible spending accounts

Both your 2025 and 2026 flexible spending accounts may need some attention as the end of the year approaches. Check this list to make sure you've taken care of each item.

Remaining 2025 funds: Be sure to use the funds in your flexible spending account, or FSA, by Dec. 31.

• Learn more about flexible spending and health savings accounts here.
• Refer to this comprehensive list of eligible expenses for purchase ideas.
• Explore the FSA Store to shop products that are 100% FSA eligible.

Contribution limits for 2026: The IRS recently announced that the limit for 2026 health care and limited purpose FSAs has increased to $3,400 from $3,300 in 2025. If you would like to adjust your 2026 enrollment election based on the new limit, you must do so by Dec. 31 within the myChoices Health & Life Enrollment platform. To do so, scroll down to the My Benefits section, select Start a Qualifying Life Event, and then click Other Options to choose Health Care Flexible Spending (HFSA) Contribution or Limited Purpose Flexible Spending Contribution.

Rollover funds: Any remaining balance of $30 to $660 in your 2025 health care or limited purpose FSA will carry over into 2026. Your carryover amount will post in your WEX account after the 2026 claims filing deadline of April 30, 2026. Funds over $660 will be forfeited.

Dependent care FSA: The limit for 2026 dependent care flexible spending has increased to $7,500 from $5,000 for families and to $3,750 if married and filing separate federal tax returns. Funds remaining in your 2025 dependent care FSA will not roll over into 2026, as decided by the IRS. If you did not use your allocated amount in 2025, you can consider changing your 2026 contribution. A change in child care needs allows you to adjust your contribution or apply for the university's Child Care Voucher or Scholarship at any time during the year.

Health care FSA substantiation: Substantiating your debit card purchases is important for the health care FSA as it must follow IRS rules. JHU adheres to the guidelines and collects backup documentation when necessary.

You will receive an email from WEX if you need to submit supporting documentation. Alternatively, you can log into your WEX account or download the WEX mobile app to see if you have any outstanding claims that require documentation before they can be cleared.

If you have 2025 debit card claims that are not substantiated by Dec. 15, 2025, and have not responded to WEX, your debit card will not be activated for 2026.

For questions about either substantiation or your online account, contact WEX at 866-451-3399.

Obtaining documentation to substantiate your FSA claims: Did you know that Quantum Health can help you obtain supporting documentation to substantiate your FSA claims? CareFirst plan members can find an explanation of benefits, or EOB, by accessing the Quantum Health member portal or by calling 844-460-2801, 8:30 a.m. to 10 p.m., Monday through Friday.

Other benefits questions? Contact the Benefits Service Center at 410-516-2000 or benefits@jhu.edu. Visit the Benefits & Worklife website to get the latest updates on your benefits.