Health

Health Care and Limited Purpose Flexible Spending Account

Health Care and LPFSA

Health Care and Limited Purpose Flexible Spending Account

The Health Care and Limited Purpose Flexible Spending Account (FSA) lets you set aside money to pay for eligible health care expenses – before taxes are taken out of your paycheck. That means you pay less in taxes. Regular associates who are scheduled to work 20 or more standard hours per week are eligible to enroll. You may enroll as a new hire, if you experience a qualifying life event, or during Open Enrollment only each calendar year. You must re-enroll every year. To view full program details, including summary plan descriptions/overviews (as applicable), log in to access the Library by going to Learn in the header and then selecting Resource Library.

How the Plan Works - See IRS Publication 502 for IRS details about eligible expenses
Pre-tax Flexible Spending Account (FSA)

  • For a Health Care Flexible Spending Account, you can use the money, based on your election for the applicable Plan year, to pay for eligible medical, dental, and vision expenses.
  • If you are enrolled in the SavingsPlus HSA plan option and you:
    • Do NOT elect or contribute to an HSA, you can enroll in a Health Care FSA instead of a Limited Purpose FSA
    • Elect or contribute to an HSA, your FSA would be deemed “Limited Purpose” and can only be used for dental and vision expenses. Please see the Limited Purpose FSA section below for more details.
  • You can use the money, based on your election for the applicable Plan year, to pay for eligible medical, dental, and vision expenses (see below “If you are enrolled in the SavingsPlus HSA plan option” regarding Limited Purpose FSAs for dental and vision expenses only)
  • You can use your total annual contribution at any time. For example, if you contributed $2,000 for the year and incur $2,000 worth of expenses in February, you can be reimbursed for the entire amount at that time. You do not need to wait until you contribute $2,000 to your account.
  • You can only elect to participate or change your election as a new hire, during Open Enrollment or if you have a qualified change in status.
  • You must re-enroll every year during Open Enrollment
Unused Balances

  • You have 90 days from the end of the plan year to submit for eligible FSA expenses incurred through December 31 of the prior calendar year (for which you had an active annual FSA election).
  • Unused balances are forfeited if not utilized by the end of each calendar year
Contributions & Limits

  • The IRS sets maximum contribution limits for FSAs each year.
  • For 2027, the Broadridge total contribution limit (including the Broadridge contribution) is $3,500.
  • Broadridge will match up to $100 of your annual contributions (for General Purpose HealthCare FSA only).
  • You can contribute from $100 to $3,400.
  • Your total annual election is divided into equal deductions throughout the year.
Limited Purpose FSA

  • If you enroll in the SavingsPlus HSA and you elect or contribute to an HSA, you may also contribute to a Limited Purpose Health Care Flexible Spending Account (LPFSA) in addition to a Health Savings Account.
  • You cannot use it for medical or prescription drug expenses and you also will not receive the $100 Broadridge contribution.
  • Compare HSAs and FSAs
How to Get Reimbursed for Your Expenses There are three ways to get reimbursed for eligible expenses:
  1. FSA Debit Card – When you enroll in the Health Care or Limited Purpose FSA, you will receive an FSA debit card. You can use your debit card to pay for eligible health care expenses when you incur them.
  2. Connected Claims – Visit the Inspira website and select the “Connected Claims” feature, which allows your eligible Broadridge medical plan claims to be applied toward your FSA balance automatically.
  3. Inspira Website – Pay for your expenses out of your pocket and submit your claims on inspirafinancial.com. You have the option to send payments directly to your provider or send the funds to yourself if you already paid for these expenses out of your own pocket.
In all cases, you may be required to show proof of an eligible expense, so be sure to save all of your receipts. A helpful list of health care expenses that the IRS considers eligible for reimbursement is described in IRS Publication 502.

* This information is not intended to provide you with personal tax or financial planning advice. Broadridge does not guarantee, and does not have any responsibility for the tax, legal, or other implications of an individual’s participation in or contributions to an HSA. It is recommended that you review your individual situation with your personal tax advisor.

Additional Medical Resources

Benefits Resources and Links

Look up vendor contact information for specific benefit plans.

Learn More

Compare Plans

Click the link below to compare the three 2026 medical plans. 2027 details coming soon!

Learn More

Costs

Click the link below for more information on the costs of each medical plan.

Learn More

Transparency in Coverage

Click the link below to access our health plan pricing information via machine-readable file (MRF) as required under the Transparency in Coverage final rule. 2027 details coming soon!

Learn More

HCFSA vs. HSA

Click the link below for more information on the differences between the HCFSA and HSA plans.

Learn More

Group Critical Illness

Click the link below for more information on the Group Critical Illness plan.

Learn More

Hospital Indemnity Plan

Click the link below for more information on the Hospital Indemnity plan.

Learn More

Health Savings Account

Click the link below for more information on the Health Savings Account (HSA).

Learn More

Prescription Drug (Rx)

Click link below for more information on Prescription Drug (Rx).

Learn More