{"id":1215,"date":"2026-01-12T20:29:56","date_gmt":"2026-01-12T20:29:56","guid":{"rendered":"https:\/\/dev-benefits2024.pantheonsite.io\/us\/?page_id=1215"},"modified":"2026-04-01T13:45:25","modified_gmt":"2026-04-01T13:45:25","slug":"flexible-spending-account","status":"publish","type":"page","link":"https:\/\/benefits.aecom.com\/us\/flexible-spending-account\/","title":{"rendered":"Flexible Spending Account"},"content":{"rendered":"\n<div class=\"wp-block-columns sticky-sidebar-container is-layout-flex wp-container-core-columns-is-layout-cbe57604 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.667%\">\n<p>Flexible Spending Accounts (FSAs)&nbsp;allow you to set aside pre-tax dollars to lower your taxable income for the year and save money on eligible expenses. Our FSA partner is Bank of America Merrill.\u202f\u202f&nbsp;<\/p>\n\n\n\n<p>You can elect one of the health FSAs (either the Health FSA or the Limited Purpose FSA, depending on your\u202fmedical\u202fplan\u202felection), the Dependent Care FSA, or both.\u202f\u202f&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-aecom-blocks-aecom-accordion\">\n\t<div class=\"accordion\" id=\"accordion-1765443623834-82ti3nzby\">\n\t\t\n\n<div class=\"accordion-item wp-block-aecom-blocks-aecom-accordion-item\">\n    <h2 class=\"accordion-header\">\n      <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#accordion-1765443623871-56o1eif70\" aria-expanded=\"false\" aria-controls=\"accordion-1765443623871-56o1eif70\">\n         Health FSA      <\/button>\n    <\/h2>\n    <div id=\"accordion-1765443623871-56o1eif70\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordion-1765443623834-82ti3nzby\">\n      <div class=\"accordion-body\">\n        \n\n<p>A Health FSA allows you to set aside pre-tax dollars from your pay to reimburse yourself for qualified medical, dental and vision expenses.&nbsp;&nbsp;<\/p>\n\n\n\n<p>For 2026, the IRS has set the&nbsp;Health&nbsp;FSA contribution limit&nbsp;at&nbsp;$3,400. Once you enroll and&nbsp;set&nbsp;your annual contribution, you cannot change that amount during the year, unless you have a qualifying life event. <\/p>\n\n\n\n<p>Unused funds are&nbsp;forfeited&nbsp;at the end of each year, so carefully estimate your eligible expenses.&nbsp;<\/p>\n\n      <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"accordion-item wp-block-aecom-blocks-aecom-accordion-item\">\n    <h2 class=\"accordion-header\">\n      <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#accordion-1765443623875-b4s9w3u6n\" aria-expanded=\"false\" aria-controls=\"accordion-1765443623875-b4s9w3u6n\">\n        Limited Purpose Health FSA\u00a0\u200b      <\/button>\n    <\/h2>\n    <div id=\"accordion-1765443623875-b4s9w3u6n\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordion-1765443623834-82ti3nzby\">\n      <div class=\"accordion-body\">\n        \n\n<p>If you enroll in a&nbsp;High Deductible&nbsp;Health Plan (HDHP), you can enroll in an HSA or a Health FSA, or both an HSA and a Limited Purpose Health FSA. Please see chart below for details:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><thead><tr><th>HDHP with HSA OR Health FSA<\/th><th>HDHP with HSA <strong>AND <\/strong>Limited <strong>Purpose Health FSA<\/strong><\/th><\/tr><\/thead><tbody><tr><td>You can use your HSA or Healthcare FSA account to pay for qualified medical, dental and vision expenses.<\/td><td>Your Healthcare FSA will be &#8220;limited purpose&#8221; and can only be used to pay for qualified dental and vision expenses.<br><br>Your HSA can be used for qualified medical, dental and vision expenses.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h5 class=\"wp-block-heading\">Post Deductible&nbsp;Health&nbsp;FSA&nbsp;<\/h5>\n\n\n\n<p>If you meet the deductible for your HSA-qualified health plan, you can convert your Limited&nbsp;Purpose&nbsp;FSA&nbsp;to a&nbsp;general purpose&nbsp;Health&nbsp;FSA. Once the&nbsp;Limited Purpose FSA&nbsp;is converted to an FSA, you will be able to use pre-tax earnings to cover a wider range of healthcare expenses.&nbsp;You may&nbsp;request to convert your Limited Purpose Health FSA&nbsp;by&nbsp;completing a form provided by Bank of America.&nbsp;&nbsp;<\/p>\n\n      <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"accordion-item wp-block-aecom-blocks-aecom-accordion-item\">\n    <h2 class=\"accordion-header\">\n      <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#accordion-1765443684729-pfowfi7wl\" aria-expanded=\"false\" aria-controls=\"accordion-1765443684729-pfowfi7wl\">\n        Dependent Care FSA\u00a0\u200b      <\/button>\n    <\/h2>\n    <div id=\"accordion-1765443684729-pfowfi7wl\" class=\"accordion-collapse collapse\" data-bs-parent=\"#accordion-1765443623834-82ti3nzby\">\n      <div class=\"accordion-body\">\n        \n\n<p>You can use a Dependent Care FSA to reimburse yourself for qualified child and dependent care expenses. Eligible dependents include:&nbsp;<\/p>\n\n\n\n<p>\u2022 Children under age 13&nbsp;&nbsp;<\/p>\n\n\n\n<p>\u2022 Spouse or other dependent of any age who is physically or mentally unable to care for himself or herself and satisfies certain other requirements&nbsp;&nbsp;<\/p>\n\n\n\n<p>The Dependent Care FSA contribution limit is $5,000 (or $2,500 if you are married and filing taxes separately) for 2026. Once you&nbsp;set&nbsp;your annual contribution when you enroll, you cannot change that amount during the year unless you have a qualifying life event. You lose any unused money at the end of the year.&nbsp;<\/p>\n\n      <\/div>\n    <\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column sticky-sidebar is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-earth-green-background-color has-background wp-element-button\" href=\"https:\/\/leplb0320.upoint.alight.com\/web\/aecom\/login?forkPage=false\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Review Your Benefit Selection<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-cover quick-links\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-midnight-teal-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-e158748c wp-block-cover-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left\" style=\"font-size:24px\">Related Links<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \"><a href=\"https:\/\/benefits.aecom.com\/wp-content\/uploads\/documents\/US\/new_to_aecom\/ABCs-of-HSAs-and-FSAs.pdf\" data-type=\"page\" data-id=\"19\" target=\"_blank\" rel=\"noreferrer noopener\">Understanding&nbsp;HSAs and\u202fFSAs&nbsp;&nbsp;<\/a><\/li>\n\n\n\n<li class=\"  \"><a href=\"https:\/\/healthaccounts.bankofamerica.com\/en\/what-expenses-are-covered-by-an-hsa-fsa-hra?t=hs\" target=\"_blank\" rel=\"noreferrer noopener\">Eligible\u202fHealth Care Expenses<\/a><\/li>\n\n\n\n<li class=\"  \"><a href=\"https:\/\/healthaccounts.bankofamerica.com\/en\/what-expenses-covered-by-dcfsa\" target=\"_blank\" rel=\"noreferrer noopener\">Eligible Dependent Care\u202fExpenses&nbsp;&nbsp;<\/a><\/li>\n<\/ul>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-cover is-light resources-sidebar has-vendor-data vendor-group-vendor_contact\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-stone-gray-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-3dcc9c70 wp-block-cover-is-layout-constrained\"><style>\n\t\t.vendor-directory-fields {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-name {\n\t\t\tmargin: 0 0 12px 0;\n\t\t\tfont-size: 1.5em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-description {\n\t\t\tmargin: 0 0 20px 0;\n\t\t\tfont-size: 1em;\n\t\t\tline-height: 1.6;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tdisplay: flex;\n\t\t\tgap: 20px;\n\t\t\tflex-wrap: wrap;\n\t\t\talign-items: stretch;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tflex: 1;\n\t\t\tmin-width: 140px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge {\n\t\t\tmargin: 0 !important;\n\t\t\tpadding: 0;\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge a,\n\t\t.vendor-directory-fields .vendor-app-badge-link {\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t\tmargin: 0;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge img,\n\t\t.vendor-directory-fields .vendor-app-badge-image {\n\t\t\twidth: 100% !important;\n\t\t\tmax-width: 100% !important;\n\t\t\theight: auto !important;\n\t\t\tdisplay: block;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields figure.vendor-app-badge {\n\t\t\twidth: 100%;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-label {\n\t\t\tmargin: 0 0 8px 0;\n\t\t\tfont-size: 1.25em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field {\n\t\t\tmargin-bottom: 12px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field strong {\n\t\t\tdisplay: block;\n\t\t\tmargin-bottom: 4px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-content {\n\t\t\tline-height: 1.5;\n\t\t}\n\t<\/style><div class=\"vendor-directory-fields\" data-vendor-id=\"625\" data-field-group=\"vendor_contact\"><div class=\"vendor-contact-content\"><div class=\"vendor-contact-fields\"><div class=\"vendor-contact-field vendor-contact-field--vendor_contact_info\"><h3 class=\"vendor-contact-field-label\">Contact<\/h3><div class=\"vendor-contact-field-content\"><p><span class=\"TextRun SCXW132727613 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW132727613 BCX0\">Merrill<\/span><\/span><span class=\"EOP SCXW132727613 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">U.S.<br \/>\n877.637.4226<\/span><span data-ccp-props=\"{}\"><br \/>\n<\/span><\/p>\n<p>Outside U.S.<br \/>\n+1 609.818.8894<\/p>\n<p>To access your account, you&#8217;ll need your Merrill Benefits OnLine account user ID and password. If you don\u2019t have an account, register using your Workday ID.<br \/>\n<a href=\"https:\/\/www.benefits.ml.com\/login\/login\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Benefits OnLine | Login<\/span><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<p><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover is-light resources-sidebar has-vendor-data vendor-group-vendor_app\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-100 has-background-dim\" style=\"background-color:#e3e3e3\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-3dcc9c70 wp-block-cover-is-layout-constrained\"><div class=\"vendor-directory-fields\" data-vendor-id=\"625\" data-field-group=\"vendor_app\"><h3 class=\"wp-block-heading vendor-app-name\">MyHealthBofA\u202fApp\u202f\u202f <\/h3><div class=\"vendor-app-description\"><p><span class=\"TextRun SCXW50969274 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW50969274 BCX0\">You\u2019ll<\/span><span class=\"NormalTextRun SCXW50969274 BCX0\">\u202fneed your Bank of America account user ID and password. If you\u202f<\/span><span class=\"NormalTextRun SCXW50969274 BCX0\">don\u2019t<\/span><span class=\"NormalTextRun SCXW50969274 BCX0\">\u202fhave an account, register with your Social Security\/account number.\u202f\u202f<\/span><\/span><span class=\"EOP SCXW50969274 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><div class=\"wp-block-columns vendor-app-links\"><div class=\"wp-block-column vendor-app-link-column\"><figure class=\"wp-block-image vendor-app-badge vendor-app-badge--appstore\"><a href=\"https:\/\/apps.apple.com\/us\/app\/myhealth-bofa\/id1159441734\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vendor-app-badge-link\"><img decoding=\"async\" src=\"https:\/\/benefits.aecom.com\/us\/wp-content\/uploads\/2024\/08\/Download_on_the_App_Store_Badge-copy.webp\" alt=\"Download on the App Store\" class=\"vendor-app-badge-image\" \/><\/a><\/figure><\/div><div class=\"wp-block-column vendor-app-link-column\"><figure class=\"wp-block-image vendor-app-badge vendor-app-badge--googleplay\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.bankofamerica.wmyhealth&#038;hl=en\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"vendor-app-badge-link\"><img decoding=\"async\" src=\"https:\/\/benefits.aecom.com\/us\/wp-content\/uploads\/2024\/08\/Get_it_on_Google_Play-copy.webp\" alt=\"Get it on Google Play\" class=\"vendor-app-badge-image\" \/><\/a><\/figure><\/div><\/div><\/div>\n<p><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Flexible Spending Accounts (FSAs)&nbsp;allow you to set aside pre-tax dollars to lower your taxable income for the year and save money on eligible expenses. Our FSA partner is Bank of America Merrill.\u202f\u202f&nbsp; You can elect one of the health FSAs (either the Health FSA or the Limited Purpose FSA, depending on your\u202fmedical\u202fplan\u202felection), the Dependent Care [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page-blank-container.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1215","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/1215","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/comments?post=1215"}],"version-history":[{"count":22,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/1215\/revisions"}],"predecessor-version":[{"id":2500,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/1215\/revisions\/2500"}],"wp:attachment":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/media?parent=1215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}