Solution Nº 02 · FSA & Limited-PurposePre-tax medical —
Pre-tax medical —
administered so your client’s HR team stops noticing.
Full-service FSA administration for employers of 50–5,000. Real-time substantiation, auto-adjudication, and a debit card that clears at the pharmacy counter on the first try.
92%
First-swipe substantiation at point-of-sale
$3,300
2026 IRS contribution limit for health FSA
14 dy
From signed paperwork to cards in members’ hands
NueSynergy / FSA
Active
Available balance
$2,840.50
Contributions YTD$3,300.00
Substantiated claims$459.50
Pending$0.00
Next payrollApr 30 · $126.92
What brokers tell us their clients actually notice.
Auto-substantiation at 92% of swipes
IIAS-certified merchant list plus copay matching. Employees don't get a “submit a receipt” email for routine prescriptions.
Dual-purse debit card
One card, FSA + LPFSA + commuter + dependent care — purse routing handled server-side, not by the member.
Same-day reimbursement for manual claims
ACH initiated within the business day. No “5–7 business days” boilerplate sitting in your client's inbox.
Compliance, signed by an ERISA attorney
SPDs, plan docs, and nondiscrimination testing produced in-house. Not outsourced. Not boilerplate.
Real-time reporting for HR
Elections, forfeitures, utilization, and carryover — a dashboard HR can actually send to finance without reformatting.
The Comparison
Health FSA · Limited-Purpose · Dependent Care
| Most commonHealth FSA | Limited-Purpose | Dependent Care | |
|---|---|---|---|
| 2026 max contribution | $3,300 | $3,300 | $5,000 / household |
| Works with HSA? | No | Yes — dental, vision only | Yes |
| Eligible expenses | Medical, Rx, dental, vision | Dental, vision (pre-deductible) | Daycare, after-school, elder care |
| Carryover to 2027 | Up to $660 | Up to $660 | Use-it-or-lose-it |
| Best fit | Traditional PPO enrollees | HDHP + HSA enrollees | Dual-income households |