A Flexible Spending Account (FSA) allows you to set aside pre-tax dollars from your paycheck to cover qualified expenses you would normally pay out of your pocket. Frontdoor offers two types of FSA programs.
Health Care FSA
The Health Care FSA helps you pay with pre-tax dollars for certain IRS-approved medical expenses not covered by your medical, dental or vision plans. The maximum contribution for 2026 is $3,400.
Funds you elect to contribute are available in full on the first day of the plan year. For example, if you elect to contribute $1,000, the full election is available on day one. You’ll continue to pay for the election pre-tax from your paycheck throughout the plan year.
You can only elect the Health Care FSA if you choose the PPO plan. You cannot elect the Health Care FSA if you are enrolled in the Basic or Enhanced CDHP plans.
Dependent Care FSA
The Dependent Care FSA lets you set aside pre-tax dollars to pay for qualified dependent care. The maximum amount you may contribute to the Dependent Care FSA is $7,500 for single filers or married couples filing jointly (or $3,750 if married and filing separately) per plan year. However, the Dependent Care FSA annual limit for highly compensated associates (associates who have an annual salary of $160,000 or greater) is capped at $1,500. Funds you contribute to the Dependent Care FSA function like a debit card; You need to accumulate the funds before you can use them.
You cannot use Health Care FSA debit cards to pay for dependent care expenses (such as daycare and preschool). Dependent Care expenses must be submitted to Alight, our FSA vendor, for reimbursement.
Use It or Lose It
Carefully consider your FSA contribution amounts for the plan year. You will lose what you don’t use during the plan year. The Health Care FSA offers a two-and-a-half-month grace period. You can use your Smart-Choice Account FSA debit card to pay eligible expenses you incur from Jan. 1 through March 15 of the following plan year.
