LPFSA: DENTAL & VISION SAVINGS Limited Purpose FSA An LPFSA is exclusively for eligible dental & vision expenses, including copays, coinsurance, and meeting your deductible. It can also be used for hundreds of other eligible dental and vision expenses. What are LPFSA funds for?
2026 IRS Annual Contribution Limits: $3,400
Eligible Dental Expense Examples Cleaning Fillings Crowns Braces
Eligible Vision Expense Examples Contact lenses
Eyeglasses Eye exams Vision correction procedures
Availability of Funds Day 1 of your plan For OE: July 1, 2026 Expiration: Use-or-lose June 30, 2027
Unused funds will expire at the end of the plan year on June 30, 2027 You may Carry Over $680 into next year. Eligible Expenses Dental and Vision Contribution Changes Annually during Open Enrollment or during your New Hire enrollment
Why Choose an LPFSA? The Limited Purpose FSA is a great option to add to your savings strategy with your HSA. It is most often used by those who expect vision or orthodontia expenses for themselves or their dependents for the upcoming year. While you could use your HSA to pay for dental and vision expenses, by fully funding your HSA and using an LPFSA to pay for dental and vision expenses, you will maximize your tax savings while preserving your HSA for the future. Note: if you contribute to a Healthcare FSA, you are not eligible for an LPFSA.
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