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Open Enrollment closes on Nov. 10, 2026.
That gives you 3 days to choose and enroll in your plan.
Limited Purpose Flexible Spending Account
If you already have a health savings account (HSA), you can sign up for a limited-purpose flexible spending account to help pay for eligible expenses with tax-free dollars. By having a limited-purpose flexible spending account, you get to save your HSA dollars for other expenses.
What a Limited Purpose FSA pays for
Here is a list of some of the eligible expenses that you can pay for with a limited-purpose FSA. For a full list of expenses and rules, visit irs.gov.
Dental
Artificial teeth
Braces
Dental plan deductible, coinsurance and copayments
Dental services like exams, cleanings, fillings, and X-rays
Mouth guards
Orthodontia services
Tooth caps and tooth removals
Vision
Contact lenses and solutions
Eyeglasses and frames
LASIK eye surgery
Vision exams
Vision plan deductible, coinsurance and copayments
How an FSA works
Before your plan year begins, you decide how much money you want to put into your FSA. If you’re not sure, you can use the FSA Savings Calculator on myuhc.com.
When the plan year starts, money is automatically deducted from your paycheck before federal, state, or Social Security taxes are taken. That money is then placed in your FSA.
As soon as you have money in your Dependent Care FSA, you can use it to be reimbursed for eligible dependent care expenses.
How to pay for services
When you sign up for the FSA, you will receive a Mastercard® Health Care Spending Card from UnitedHealthcare. This debit card lets you pay for covered health care services or other eligible expenses from your FSA. With the debit card, there's no need to write checks or submit claim forms— you can use this debit card from your FSA by phone, through the web, or at any place that accepts MasterCard.
How to get reimbursed
Getting reimbursed from your FSA is easy - just submit your claims online at myuhc.com. Using myuhc.com also makes it easier for you to track account balances and turn on direct deposits for fast reimbursements directly into your personal bank account.
How to manage spending your FSA
FSAs follow the “use it or lose it” rule, meaning you can’t carry over money from one plan year to the next — so it’s not a good idea to put more money in your FSA than you can spend.
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