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Home Individuals & Families Shop for Plans Plans Through Your EmployerFlexible Spending Account (FSA)

Flexible Spending Accounts (FSA)

A FSA is a spending account provided by your employer that can be used to pay for different types of eligible expenses.

Cigna offers 3 different types of FSAs:

Health Care FSA

Covers eligible health care expenses for you and your covered dependents.

View eligible health care expenses

View eligible health care expenses

Limited Purpose FSA

Covers eligible dental and vision expenses, and is usually only offered with a Health Savings Account (HSA).

View eligible dental and vision expenses

View eligible dental and vision expenses

Dependent Care FSA

Covers eligible expenses for dependents age 12 and under, and disabled dependents of any age.

View eligible dependent care expenses

View eligible dependent care expenses

How do FSAs work?

  • Based on the type of FSA you have, figure out how much you may need for the eligible expenses for you and/or your covered dependents for the plan year. You can decide how much you want to contribute from each paycheck up to the yearly limit set by the IRS guidelines .
  • You can withdraw money from the account throughout the year to reimburse yourself for the eligible expenses you’ve paid.
  • Some plans include a debit card so you can easily pay from your FSA at the time of service. You can use your FSA debit card only to cover eligible expenses specified by your plan.
  • FSAs can help you save money because you contribute to the account from your paycheck before federal taxes. This reduces your taxable income.**
  • FSAs can be offered alone, or paired together with a HRA or HSA.

Video: Flexible Spending Accounts (FSA)

Watch this short video to learn how to get the most from your Flexible Spending Account. (Length: 01:55)

Watch Video

FSA Comparison Chart

Compare and learn about the similarities and differences among the three types of FSAs.*

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More benefits through your employer

Health Reimbursement Account (HRA)

Health Savings Account (HSA)

Visit our Knowledge Center to learn about:

HRA or HSA: Which is right for you?

How to Choose the Right Plan

Understanding Provider Networks

Enrollment Tips for Employees

Buying a plan on your own?

This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.


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*Plans vary, but this is how FSAs generally work. Please refer to your plan documents, including specific information on your Health Care FSA, or contact your employer for more information on what’s covered and not covered by your plan.

**Some cities and municipalities may impose income taxes on FSAs. For detailed information please contact your local department of taxation.

Group health plans are insured and/or administered by Cigna Health and Life Insurance Company or its affiliates. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, review your plan documents.

Flexible Spending Accounts (FSA)

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Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna representative.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc. and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates ( see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

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