Child/Eldercare Flexible Spending Account

Save More While Caring for Loved Ones

A Dependent Care Flexible Spending Account (DCFSA) makes it easier to plan for the care your family needs. Set aside money from your paycheck before taxes to cover expenses for children under 13 or dependent adults who need assistance. It’s simple, automatic and helps you keep more of your income.

Features include:

  • Easy enrollment
  • For 2026, contribute up to $7,500 per household per year (or $3,750 if married filing separately)
  • Pre-tax payroll deductions mean more savings for you
  • Access funds as soon as they’re added to your account

Good to Know: If you're considered a Highly Compensated Employee (HCE) under IRS rules, your maximum contribution may be lower. If applicable, you'll be notified of your allowable contribution limit.

How does a dependent care FSA work? 

  • Pay for a wide range of expenses

    Use your DCFSA to cover the cost of care for your loved ones — like daycare, nursery school, preschool, after-school programs and even senior day care.

  • Save with every contribution

    Every dollar you put into a DCFSA lowers your taxable income — helping you keep more of what you earn.

  • Use it so you don’t lose it

    DCFSA funds don’t roll over from year to year, so be sure to use them! You have until March 31 of the following year to submit eligible expenses — giving you extra time to make the most of your savings.

  • Get reimbursed quickly

    Pay for care out of pocket, then submit a quick claim for reimbursement — it’s fast and simple.

Manage your DCFSA easily online or with the Optum Bank app

Manage your DCFSA anytime at optumbank.com or through the Optum mobile app (data rates may apply) Both give you quick access to your account — wherever you are. Once you sign in, you can:

  • Check your balance 
  • File a claim and upload receipts
  • Get information and access to tools 
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This site summarizes the programs and benefits available to team members and their eligible dependents. Official plan documents, policies and certificates of insurance that contain the details, conditions, maximum benefit levels and restrictions on benefits govern our benefits program. In case of a conflict between this site and the official documents, the official documents prevail. The information on this site isn't a guarantee of benefits. AdventHealth reserves the right to modify or terminate its employee benefit plans and programs at any time for any reason.