Flexible spending arrangements (FSA) and Dependent Care Assistance Program (DCAP)

2026 information | 2025 information

Navia Benefit Solutions administers the Flexible Spending Arrangement (FSA), Limited Purpose FSA, and Dependent Care Assistance Program (DCAP) for the PEBB Program.

FSA

The FSA is a personal expense account allowing you to set aside a portion of your salary pretax to pay for qualified health care expenses. FSAs are available to employees and PEBB Continuation Coverage subscribers. Learn about FSAs.

Key features

• Elect up to $3,300 to help pay for eligible expenses January 1 through December 31, 2026.
• Contribute to your account with pretax deductions every paycheck.
• Access your full annual election amount at the start of the year.
• Thousands of medical, dental, and vision expenses are eligible under this benefit (see the Eligible Expenses document).
• Pay for your eligible dependents' health care expenses using this benefit, even if they are not enrolled on your PEBB plan.
• Debit card option is available to pay for expenses directly, in addition to claim reimbursement.
• Carry over unspent funds—up to $660—into the next year (2027).

Note: If the IRS announces an additional increase to the maximum contribution limit before the last day of open enrollment, the PEBB Program will adopt those changes for 2026. 

Are you a represented employee whose rate of pay is $68,004 a year or less? If so, you may receive a $300 FSA contribution from your employer in January 2026.

Limited Purpose FSA

The Limited Purpose FSA is intended for employees and PEBB Continuation Coverage subscribers enrolled in a consumer-directed health plan (CDHP) with a health savings account (HSA). Learn about FSAs.

The Limited Purpose FSA is a personal expense account allowing you to set aside a portion of your salary pretax to pay for qualified dental and vision expenses.

Key features

• Elect up to $3,300 to help pay for eligible expenses January 1 through December 31, 2026.
• Contribute to your account with pretax deductions every paycheck.
• Access to your full annual election amount at the start of the year.
• Hundreds of dental and vision expenses are eligible under the benefit (see the Limited Purpose FSA Eligible Expenses document).
• Can be used alongside a Health Savings Account (HSA).
• Pay for your eligible dependents' health care expenses, even if they are not enrolled on your PEBB plan.
• Debit card option is available to pay for expenses directly, in addition to claim reimbursement.
• Carry over unspent funds—up to $660—into the next year (2027).

Note: If the IRS announces an additional increase to the maximum contribution limit before the last day of open enrollment, the PEBB Program will adopt those changes for 2026.

DCAP

The DCAP allows you to set aside pretax money for child and elder care expenses that enable you (and your spouse, if married) to work, look for work, or be a full-time student. DCAP is available to employees. Learn more on the Learn about DCAP.

Key features

• Elect up to $7,500 to help pay for eligible expenses January 1 through December 31, 2026.
• Contribute to your account with pretax deductions every paycheck.
• Funds to cover expenses become available as you contribute to the benefit with each paycheck.
• Eligible expenses include before/after school child care, preschool, day camps, elder care, and more.
• Debit card option available to pay for expenses directly. You can also set up recurring claims to reimburse you automatically.

2026 information

Watch a recorded presentation

FSA

• FSA Enrollment Guide
• FSA and DCAP overview
• Eligible expenses

Limited Purpose FSA

• Limited Purpose FSA Enrollment Guide
• Limited Purpose FSA eligible expenses

DCAP

• DCAP Enrollment Guide
• FSA and DCAP overview

2025 information

Watch a recorded presentation.

FSA

• FSA Enrollment Guide
• FSA and DCAP overview
• Eligible expenses

Limited Purpose FSA

• Limited Purpose FSA Enrollment Guide
• FSA and DCAP overview
• Limited Purpose FSA eligible expenses

DCAP

• DCAP Enrollment Guide
• FSA and DCAP overview

About Navia Benefit Solutions

Founded in 1989, Navia is a national benefits provider based in Washington State serving 10,000+ employers. The company provides comprehensive health and compliance solutions to employers and consumers, and offers industry-leading customer service, communications, and technology. Navia offers FSA, HSA, HRA, Commuter, and other benefits.