2027 IRS Limits pending.
Eligible employees have the opportunity to participate in Flexible Spending Accounts (FSA) to pay for eligible out-of-pocket medical, dental, vision, and dependent care expenses with pre-tax dollars through payroll deductions. Medical Mutual of Ohio administers this program for The Cleveland Guardians.
- You should contribute the amount of money you expect to pay out-of-pocket for eligible expenses for 2026
- The amount you choose to contribute through payroll deduction cannot be changed during the calendar year.
- Program is “use it or lose it”; monies not spent by March 13th of the following year are forfeited.
- You cannot enroll in both the medial FSA and HDHP with HSA medical plan.
Should you leave employment, your FSA or DCA account is terminated on your last day of employment.
- FSA – You have 30 days to use the funds contributed YTD for services incurred prior to your termination date.
- DCA – You may incur and submit expenses until the end of the plan year for funds contributed through final payback.
RESOURCES
Health Care FSA
You can contribute a maximum annual amount of $3,400 in 2026.
Changes to your FSA contribution levels are restricted to qualifying life events.
If you select this benefit, you will select your annual FSA contribution amount, which will be deducted in equal payments over the course of the plan year.
Getting reimbursed is easy. Eligible expenses can be submitted for reimbursement and reimbursements can be received by either a check or direct deposit.
This plan is subject to IRS guidelines.
| Medical FSA | |
| Name of Administrator | Medical Mutual of Ohio |
| Link to Website | www.medmutal.com |
| Contribution Limit for 2025 | $3,300 |
| Contribution Limit for 2026 | $3,400 |
Dependent Care FSA
Deduct a portion of your paycheck to use for dependent care for children up to age 13, a disabled dependent of any age, or a disabled spouse. To be eligible for this type of account, both you and your spouse (if applicable) must work, be seeking work, or be full-time students. This plan is subject to IRS guidelines.
| Dependent Care FSA | |
| Name of Administrator | Medical Mutual of Ohio |
| Link to Website | www.medmutal.com |
| Contribution Limit for 2025 | $5,000 |
| Contribution Limit for 2026 | $7,500 |