Flexible Spending Accounts
An easy way to save money each year
Flexible Spending Accounts (FSAs) can help you save money by paying for certain medical care and day care expenses with pre-tax dollars. FSAs are administered for King County by Navia Benefit Solutions and are convenient and easy to use. You choose how much to put into your FSAs—up to a yearly maximum of $3,050 for health care, and $5,000 for day care for joint tax filers ($2,500 if married and filing separately).
You must use your FSA money for eligible expenses incurred during the plan year, however, you have until March 31 of the following year to submit claims.
How much can you save?
By participating in FSAs, your savings can be significant. Watch the video Pre-Tax FSA Benefits and use the Tax Savings Calculator to help estimate your potential savings.
You must enroll every year
To participate in an FSA, enroll during Open Enrollment. FSAs do not continue automatically—you must re-enroll each year during Open Enrollment. This allows you to reassess your expenditures and change your election amount accordingly. You may also enroll within 30 days of becoming benefits-eligible. Your FSA election remains in effect for the entire calendar year. If you experience a qualifying life event, you can make a change using the benefit change form on the Benefit enrollment & changes page.
FSA details
With a Health Care FSA, you set aside pre-tax dollars from your paycheck into an account you can use to pay for eligible medical expenses. You can use your FSA funds to pay for a variety of medical, dental, and vision care expenses for you, your spouse or eligible domestic partner, and your dependents—for example, deductibles, coinsurance, and copays.
You and your spouse or partner can both participate in FSAs through your employers. You could each contribute the maximum and each FSA can cover both of your expenses.
Contributions
You can contribute up to $3,050 per year to your Health Care FSA. Your annual election will be divided into equal contributions over the pay periods within the calendar year. This is a pre-funded benefit, so you have access to your full annual election any time during the calendar year.
Rollover feature
The Health Care FSA has a carryover feature that allows you to roll over unused funds into the next plan year. In 2024, you can rollover $640 to 2025. Any other remaining funds in your account are forfeited. The rollover occurs automatically at the end of January. If you did not enroll in the Health Care FSA for the current year, an account will be created for you to access your rollover funds from the previous year. Rollover funds become available in your FSA account in February and can be accessed using your Navia debit card, the Navia mobile app, and the Navia website (see details below, under Paying for expenses and getting reimbursed).
Eligible expenses
The IRS determines which expenses are eligible for reimbursement. Go to the Navia site to view the list of Eligible Health Care Expenses. Some expenses require a Letter of Medical Necessity from a licensed health care professional for reimbursement.
Additional information
You can set aside pre-tax dollars in your Day Care FSA to pay for day care or dependent care expenses for your child under age 13, disabled spouse, or dependent parent so you can work or attend school full-time.
Contributions
You can contribute up to $5,000 per year, per household to your Day Care FSA, or $2,500 if married and filing separately.
Your annual election will be divided into equal contributions over the pay periods within the calendar year. You can only be reimbursed up to the amount actually deducted from your paycheck.
Unused funds are forfeited
The Day Care FSA is subject to the “Use-it or Lose-it” rule. If you do not use all of your annual election within the plan year, the remaining funds are not refundable to you.
Eligible expenses
Some common eligible expenses include child and adult day care, preschool, and before- and after-school care. Go to the Navia site to view the list of Eligible Day Care Expenses.
Additional information
First, create an account at Navia Benefit Solutions using code KIG. Use the methods below to submit claims for reimbursement. You can be reimbursed by check or direct deposit. To set up FSA automatic deposits, go to your Navia account profile and select your reimbursement method. Claims from the previous year must be submitted by March 31 of the following year.
Health Care FSA
To access your FSA funds to pay for eligible expenses, submit a claim and substantiating documentation using one of the following methods:
- Navia Benefits Debit Card: Funds are pulled directly from your FSA and paid to the provider when you swipe your card. Some debit card expenses require substantiation with itemized documentation, go online to submit documentation.
- MyNavia mobile app: Submit claims and documentation using your phone and camera.
- Online claim submission at Navia Benefit Solutions: To be reimbursed for eligible expenses, login to submit a claim and documentation.
- Paper FSA Claim Form: Mail, fax, or email claim forms and documentation to Navia.
Day Care FSA
To access your FSA funds to pay for eligible expenses, submit a claim and substantiating documentation using one of the following methods:
- MyNavia mobile app: Submit claims and documentation using your phone and camera.
- Online claim submission at Navia Benefit Solutions: To be reimbursed for eligible expenses, login to submit a claim and documentation.
- Paper FSA Claim Form: Mail or email claim forms and documentation to Navia.
Contact Information
Navia Benefit Solutions
Hours: Mon. – Fri., 5 a.m. – 5 p.m. PST
Phone: 425-452-3500 or 800-669-3539, 711 (TTY)
Fax: 425-451-7002 or 866-535-9227
Email: Navia Benefit Solutions
Claims
Claim Form
claims@naviabenefits.com
Navia Claims
PO Box 53250
Bellevue, WA 98015
Benefits and retirement
Payroll
Fax: 206-296-7678