{"id":6071,"date":"2024-10-30T15:44:06","date_gmt":"2024-10-30T19:44:06","guid":{"rendered":"https:\/\/communicator.pef.org\/?p=6071"},"modified":"2024-11-14T15:35:49","modified_gmt":"2024-11-14T20:35:49","slug":"enrollment-opens-nov-1-for-hcsa-carryover-details-explained","status":"publish","type":"post","link":"https:\/\/communicator.pef.org\/issue\/volume-42-no-9\/enrollment-opens-nov-1-for-hcsa-carryover-details-explained\/","title":{"rendered":"Enrollment opened Nov. 1 for HCSA, carryover details explained"},"content":{"rendered":"<p><em>November 15, 2024 &#8212;<\/em> <span data-contrast=\"auto\">The open enrollment period for the Health Care Spending Account (HCSA) benefit begins Nov. 1, 2024, and ends Dec. 9, 2024.\u00a0<\/span><span data-ccp-props=\"{}\"> <img loading=\"lazy\" decoding=\"async\" class=\" wp-image-6067 alignright\" src=\"https:\/\/communicator.pef.org\/wp-content\/uploads\/sites\/2\/2024\/10\/Nov-1-web-v2-280x300.jpg\" alt=\"November 1 Calendar Icon\" width=\"242\" height=\"259\" srcset=\"https:\/\/communicator.pef.org\/wp-content\/uploads\/sites\/2\/2024\/10\/Nov-1-web-v2-280x300.jpg 280w, https:\/\/communicator.pef.org\/wp-content\/uploads\/sites\/2\/2024\/10\/Nov-1-web-v2.jpg 400w\" sizes=\"auto, (max-width: 242px) 100vw, 242px\" \/><\/span><\/p>\n<p><span data-contrast=\"auto\">The HCSA allows you to set aside any amount from $100 up to a maximum of $3,300 for the 2025 plan year to pay for health care expenses that are not reimbursed by your health insurance or other benefit plan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Only medically necessary medical, hospital, dental, vision, hearing, prescription drug, and certain over-the-counter drug expenses for you, your spouse, and your eligible dependents can be reimbursed or paid by your HCSA.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">There is a HCSA carryover provision. Unused contributions will carry over to the next plan year for the participant to use. During the plan year runout period (January 1 \u2013 March 31), the previous year funds may still be used for previous year expenses. Any remaining funds up to the IRS limit from the previous year will then carry over into the current year\u2019s account balance after the runout period end date.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">During the runout, the new plan year election will be depleted first, then carryover funds will be accessible for reimbursement. For participants who did not re-enroll, carryover funds will be available after the runout period ends.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The IRS carryover limit from 2024 into 2025 is $640 and will increase to a carryover limit of $660 from 2025 into 2026.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Enrollment must be completed online at <\/span><a href=\"https:\/\/app.mybentek.com\/nysfsa\"><span data-contrast=\"none\">https:\/\/app.mybentek.com\/nysfsa<\/span><\/a><span data-contrast=\"auto\">. Even if you\u2019re enrolled before, you must reenroll for the new plan year. You will need your NYS EMPLID number, located on your paystub. For more information, visit <\/span><a href=\"http:\/\/www.pef.org\/benefits\"><span data-contrast=\"none\">www.pef.org\/benefits<\/span><\/a><span data-contrast=\"auto\"> or <\/span><a href=\"https:\/\/oer.ny.gov\/fsa\"><span data-contrast=\"none\">https:\/\/oer.ny.gov\/fsa<\/span><\/a><span data-contrast=\"auto\">. You can also call 1-800-358-7202.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>November 15, 2024 &#8212; The open enrollment period for the Health Care Spending Account (HCSA) benefit begins Nov. 1, 2024, and ends Dec. 9, 2024.\u00a0 The HCSA allows you to&#8230;<\/p>\n","protected":false},"author":13,"featured_media":6069,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"division":[],"allowed_regions":[],"allowed_divisions":[],"class_list":["post-6071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","issue-volume-42-no-9"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Enrollment opened Nov. 1 for HCSA, carryover details explained - PEF Communicator<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/communicator.pef.org\/issue\/volume-42-no-9\/enrollment-opens-nov-1-for-hcsa-carryover-details-explained\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Enrollment opened Nov. 1 for HCSA, carryover details explained\" \/>\n<meta property=\"og:description\" content=\"November 15, 2024 &#8212; 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