Unlock Your Savings: FSAs & HSAs with Stitch PEO
A quick guide to your pre-tax benefit accounts — what they cover, how they work, and how to enroll through Innovative Care.
Open Enrollment
Innovative Care × Stitch PEO
Your Health, Your Wallet: Understanding FSAs
A Flexible Spending Account (FSA) lets you set aside pre-tax dollars for eligible expenses — reducing your taxable income while covering real costs.
Limited Purpose FSA
Covers: Vision & dental only — glasses, contacts, dental check-ups, braces, and more.
2026 Limit: $3,200/year
Rollover: Up to $640 rolls over to the next plan year.
Dependent Care FSA
Covers: Childcare and elder care so you (and your spouse) can work — daycare, preschool, before/after school programs, summer day camp.
2026 Limit: $5,000/household ($2,500 if married filing separately)

No rollover — unused funds are forfeited. Plan carefully!
Invest in Your Future: Health Savings Accounts (HSAs)
An HSA pairs with your High-Deductible Health Plan (HDHP) and offers a powerful triple tax advantage: contributions, growth, and withdrawals are all tax-free for eligible expenses.
Eligible Expenses
Doctor visits, prescriptions, dental, vision, and select over-the-counter items.
2026 Contribution Limits
Self-Only: $4,150
Family: $8,300
Age 55+: Add $1,000 catch-up
Rolls Over Forever
Funds never expire. The account is yours to keep — even if you change jobs or retire.
Investment Potential
Invest your HSA balance to grow savings for future healthcare needs or retirement.
Seamless Management & Enrollment
Stitch PEO makes it easy to use and manage your accounts from day one.
Stitch-Branded Visa Card
Pay eligible expenses instantly at the point of service — no reimbursement forms needed. Your Stitch Visa card draws directly from your FSA or HSA balance.
Online Portal
View real-time balances, track spending, submit claims, and manage all your accounts securely — anytime, anywhere.

Ready to enroll? Visit your enrollment link to make your selections and start saving today. Don't leave pre-tax money on the table!