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More money in your pocket

Making smart decisions now will give you peace of mind for the future. With PayFlex, you have the control and flexibility to plan, save, and pay for your personal well-being. And it's easier than ever.

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Save with simple pretax accounts

Now you can feel good about your funds and your future. Don’t let the long names fool you. These pretax accounts are a simple way to save on products and services you’re already spending money on.


Let’s take the mystery out of pretax accounts

Not sure which account is right for you? Compare accounts and find the solution that fits you best. Be sure to check your plan to see which accounts are offered.


Add up your tax savings

Curious about how much you might save with a PayFlex health care account? Just plug in your numbers. This calculator will show you possible tax savings on eligible out-of-pocket expenses.footnote1

Average tax rate
Potential tax savings2

footnoteFor best estimate, enter an amount less than or equal to the pretax contribution limit: Health Care FSA for 2023: $3,050; HSA for 2023: $3,850 (individual coverage) and $7,750 (family coverage); Age 55 or older: You may contribute an additional $1,000 to your HSA.


Tax-free spending on eligible health care expenses

Check out the list of common eligible health care expenses. Use the search bar to find specific items and services. Or you can click on the column headers in the table to see which are eligible, eligible with a Letter of Medical Necessity (LOMN), or not eligible. 


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PayFlex on the go

You can take PayFlex with you anytime, anywhere. Just download the PayFlex Mobile® app from the App Store® or Google Play. To log in, use the same username and password you use for the PayFlex member website.

The app lets you quickly view your balance and manage your money. You can even upload photos of itemized receipts, statements and Explanations of Benefits (EOBs). Then submit them for reimbursement.

No-touch payments with the PayFlex Card®
We make it simple to pay on the go. If you have an Apple® or Samsung® device, you can add your PayFlex Card to your digital wallet. Then use it to pay for eligible expenses. It’s a no-touch payment that’s fast, easy and secure.

Learn more about Apple Pay®
Learn more about Samsung Pay®


COBRA and Direct Billing 

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. It’s a law that allows you and your dependents to continue group health benefits on a temporary basis. It starts when you’d otherwise lose health coverage due to certain events, such as:

  • End/loss of a job, whether the choice was yours or not (for reasons other than gross misconduct) 
  • Loss/reduction of hours 
  • Divorce or legal separation from your spouse, who is the covered employee
  • Death of your spouse, who is the covered employee
  • Eligibility for Medicare
  • Loss of dependent status and coverage for a child or adult in your care

With Direct Billing, you can pay for insurance premiums directly through the PayFlex member website. This is usually for retirees, employees out on disability and those taking a leave of absence. 


footnote1You’ll want to add up your total health care expenses per year. These may include:

Medical: deductibles, copays, co-insurance, health care provider visits, prescription drugs, over-the-counter items, insulin, diabetes syringes and supplies, annual wellness exams, chiropractic treatments and other medical expenses

Dental: checkups and cleanings, fillings, root canals, crowns, bridges, dentures, mouth surgery, orthodontics (braces) and other dental expenses

Vision/hearing: exams, eyeglasses, prescription sunglasses, contact lenses and cleaning solutions, corrective eye surgery (LASIK, cataract), hearing exams, hearing aids, batteries and other vision or hearing expenses

footnote2Savings estimates assume annual IRS FSA and HSA contribution limits or your total expenses, whichever is less. Talk with your employer to learn the exact limits for your plan. For this calculation, we used a savings of 21% to assume federal, state and social security taxes you may avoid with pretax contributions. This calculation is just an estimate. It isn’t tax advice. Ask your tax advisor to find out how much you might save by making pretax contributions. Actual tax savings depend on many things. Some of these include state and local tax rates, your tax bracket and the FICA tax rate.

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