Keep more of your paycheck in 2027.
Your pre-tax benefits help you pay for things like copays, prescriptions, glasses, daycare, and getting to work, all tax-free. Everything you need to choose, enroll, and get started is right here.
Tell us where you are, and we’ll show you what’s next.
Look back
Pull up last year’s receipts, pharmacy history, and insurance statements. What did you spend on copays, prescriptions, dental, and vision?
Look ahead
Add anything you know is coming: braces, new glasses, a planned procedure, a new baby, or a change in daycare.
Do the math
Use our savings calculator to land on a comfortable amount and see what you’ll save in taxes.
Enroll on time
Make your election through your employer before your open enrollment deadline. Not sure when that is? Ask your HR team.
Log in to your account
Set up your online access so you can check balances and submit claims. See login instructions.
Set up direct deposit
Get reimbursed faster by having money sent straight to your bank account. Here’s how.
Watch for your card
Use your HG Advantage Card at the doctor, pharmacy, or eye doctor. Keep your receipts in case we ask for them.
HSA? Accept your terms
New HSA accounts must accept the terms and conditions in the portal before funds can be used. It takes one minute.
Your 2027 contribution limits
The IRS raised most limits for 2027, which means more room to save.
Per employee, per year. Same limit for a Limited Purpose FSA.
Max unused 2027 funds that can roll into 2028, if your plan offers carryover.
Per household. $3,750 if married filing separately.
Self-only / family. Age 55+ can add $1,000 more.
Train, bus, subway, ferry, and vanpool passes.
Parking at or near work, or where you catch transit.
Mark your calendar
Dates below are for plans that run January through December. Not sure about your plan year, or whether you have a carryover or a grace period? Call us at 855-222-5727 and we’ll tell you.
- 📝Now Action needed
Open enrollment. Your employer sets the deadline, so don’t wait. In most cases, you must re-enroll in your FSA every year. Your election does not roll over automatically.
- 🛒December 31, 2026
Last day to spend 2026 FSA money on eligible expenses (unless your plan has a grace period). Stock up on eligible items at the FSA Store.
- 🎉January 1, 2027
Your 2027 elections start. If your plan has a carryover, up to $680 of unused 2026 Healthcare FSA money moves into 2027.
- ⏳March 15, 2027
If your plan has a grace period instead of a carryover, this is the last day to spend 2026 money.
- 📮End of your run-out period
Your last day to submit claims for 2026 expenses. Many plans allow 90 days after the plan year ends. Call us at 855-222-5727 and we’ll give you your exact date.
- 💰April 15, 2027
Last day to make HSA contributions that count toward 2026 (the tax filing deadline).
Which account is right for me?
Tap an account to see what it covers, who it’s for, and what happens to leftover money.
Healthcare FSA
Set aside pre-tax money for out-of-pocket medical, dental, and vision costs. Your full yearly amount is available on day one, even before it all comes out of your paycheck.
What it pays for
- Copays, deductibles, and coinsurance
- Prescriptions and over-the-counter medicine
- Dental work, braces, glasses, contacts, and LASIK
- Chiropractic care, acupuncture, and first aid supplies
- Who it’s for
- Anyone with predictable medical, dental, or vision costs.
- 2027 limit
- Up to $3,500.
- Leftover money
- Depends on your plan: a carryover (up to $700 rolls into 2028) or a grace period (extra time to spend it). Plan carefully, since money beyond that is forfeited.
- Heads up
- If you enroll in an HSA, you’ll likely need a Limited Purpose FSA instead.
Limited Purpose FSA
A Limited Purpose FSA works alongside an HSA. It covers dental and vision costs so you can save your HSA dollars for later.
What it pays for
- Dental cleanings, fillings, crowns, and braces
- Eye exams, glasses, contacts, and LASIK
- Who it’s for
- People with an HSA who also expect dental or vision costs.
- 2027 limit
- Up to $3,500.
- Leftover money
- Same carryover or grace period rules as your plan’s Healthcare FSA.
Dependent Care FSA
Pay for care for your kids or other dependents with pre-tax money while you (and your spouse) work. This one is for care costs, not medical bills.
What it pays for
- Daycare and preschool
- Before- and after-school programs
- Summer day camp
- Adult day care for a qualifying dependent
- Who it’s for
- Working parents of children under 13, or anyone caring for a dependent who can’t care for themselves.
- 2027 limit
- $7,500 per household ($3,750 if married filing separately).
- Good to know
- You can only be reimbursed up to what’s been deducted from your pay so far. Overnight camps don’t qualify.
Health Savings Account (HSA)
An HSA pairs with a qualified high-deductible health plan. It’s your money to keep, year after year, even if you change jobs or retire. Many people think of it as a safety net for the unexpected and a way to save for healthcare in retirement.
Why people love it
- Money goes in tax-free
- It can grow tax-free if you invest it
- It comes out tax-free for eligible medical costs
- No “use it or lose it”: the balance is always yours
- Who it’s for
- People enrolled in an HSA-qualified high-deductible health plan.
- 2027 limit
- $4,500 self-only or $9,000 family, plus $1,000 if you’re 55 or older. Employer contributions count toward the limit.
- Leftover money
- Stays in your account and rolls over every year.
- Your job
- Keep an eye on your total contributions so you stay under the IRS limit.
Commuter Benefits
Use pre-tax money for getting to and from work. Unlike an FSA, you can change your commuter election month to month.
What it pays for
- Train, bus, subway, and ferry passes
- Vanpools
- Parking at or near work, or at a park-and-ride
- Who it’s for
- Anyone who pays to take transit or park for work.
- 2027 limit
- $350 a month for transit and $350 a month for parking.
- Leftover money
- Generally stays available for future commuting costs while you’re in the plan.
Health Reimbursement Arrangement (HRA)
An HRA is money your employer sets aside to help pay for your healthcare costs. Your employer funds it, so nothing comes out of your paycheck. Every HRA is designed differently, so your plan’s rules are what count.
What it may pay for
- Your employer decides which expenses are covered
- Often things like deductibles, copays, or coinsurance
- Some plans also cover premiums, prescriptions, dental, or vision
- Who it’s for
- Employees whose employer offers an HRA as part of their benefits.
- How much
- Your employer sets the amount. You don’t contribute.
- Leftover money
- Your employer’s plan decides whether unused money rolls over.
- Best next step
- Call us at 855-222-5727. We’ll tell you what your HRA covers and how much is available.
How much should I put in my FSA?
Enter what you expect to spend in 2027. We’ll add it up and show your estimated tax savings.
My expected 2027 costs
Your estimate
Estimate includes federal income tax plus 7.65% Social Security and Medicare. Most people also save on state tax. This is for planning only and isn’t tax advice. Your employer’s plan limit may be lower.
More calculators
Often-forgotten FSA eligible items
Everything in one place
Download the guides, checklists, and forms you need for 2027.
⭐Start here
🩺Healthcare FSA
🧸Dependent Care FSA
🌱HSA
Questions we hear a lot
Do I have to re-enroll every year?
What happens if I don’t use all my FSA money?
Can I change my election during the year?
Can I have an FSA and an HSA at the same time?
I have an HRA. What does it cover?
What if I leave my job?
Do I need to save my receipts?
How do I get reimbursed if I paid out of pocket?
Questions? Talk to a real person.
No phone trees and no call centers. Our team is here to help you get the most out of your benefits.