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.

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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)

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.