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TEB&HR · Benefits resources
FSA & HSA
FSA & HSA
Administration
Understand your benefit accounts and the support behind them. Explore TEB’s administration services, compare FSA and HSA basics, and learn how to manage your account through the consumer portal.
For employers and HR teams
Account administration with personal support.
TEB brings together plan setup, employee education, account administration and ongoing service for FSA and HSA programs.
Accounts & reimbursements
Online account access, reimbursement support and payment-card features help participants manage eligible expenses.
Payroll & platform coordination
Payroll feeds and benefits-system integrations support contribution and reimbursement administration.
Year-round service
Support for HR teams and employees continues through open enrollment, new hires and day-to-day account questions.
Available accounts, reimbursement features, payment methods and integrations depend on the employer’s plan and administration arrangement.
Compare the basics
Health FSA or HSA?
| Question | Health Care FSA | HSA |
|---|---|---|
| Where do I start? | Your employer’s FSA offering and enrollment rules. | Your medical plan’s HSA eligibility and IRS contribution requirements. |
| Does money carry forward? | Generally use-it-or-lose-it; a plan may offer a limited carryover or grace period. | Unused account funds carry forward. |
| Can both apply? | A general-purpose health FSA can affect HSA contribution eligibility. Confirm compatibility before combining benefits. | |
| Where can I learn more? | FSA questions and answers | HSA questions and answers |
Understand your FSA
Flexible Spending Accounts (FSA)
An employer-sponsored FSA lets eligible employees set aside money through payroll for certain expenses with tax advantages. The type of FSA determines what it can reimburse.
Health Care FSA
Helps pay eligible out-of-pocket health costs, such as copays and qualifying dental or vision expenses. Check your plan’s expense rules before purchasing.
Dependent Care FSA
A separate benefit for eligible care expenses that allow you and, generally, your spouse to work or look for work. It does not pay a dependent’s medical bills.
Limited-Purpose FSA
Typically covers eligible dental and vision expenses and may be compatible with HSA contributions. Confirm the exact arrangement with your employer before combining benefits.
Put it into practice
Using your FSA.
- Confirm your account type. Check the benefit name, your election, the plan year and your administrator’s instructions.
- Keep itemized documentation. Save the service date, provider, description and amount. A payment-card transaction may still require documentation.
- Check both year-end dates. Find the last date to incur an eligible expense and the deadline to submit a claim. These may be different.
Contribution limits, eligible expenses and deadlines depend on the benefit and applicable year. Confirm your employer’s current plan information before making an election.
Understand your HSA
Health Savings Accounts (HSA)
An HSA is an individually owned account with federal tax advantages for qualified medical expenses. Contribution eligibility depends on qualifying health coverage and other IRS requirements.
Start with your coverage
Confirm that your medical plan is HSA-eligible. A high deductible alone does not establish contribution eligibility; other coverage can also affect it.
Use funds for qualified expenses
Eligible medical, dental and vision expenses may qualify. Keep receipts and check the rules before using HSA money for a particular expense.
Your account stays with you
Unused HSA funds carry forward. The account remains yours when you change employers, although your ability to make new contributions can change.
Put it into practice
Using your HSA.
- Verify eligibility before contributing. Ask about your medical plan, other health coverage and any FSA coverage available through your household.
- Review contributions together. Check the applicable year’s limit and include employer contributions when reviewing your total.
- Keep your account records. Retain expense receipts and contribution and distribution records for tax reporting. Your custodian provides account statements and tax documents.
Owning an existing HSA and being eligible to add new contributions are different. Review eligibility again when your coverage or circumstances change.
For participants
Your benefit accounts consumer portal.
For accounts administered through TEB, the consumer portal provides a place to review balances, manage expenses and find account resources. The steps below are adapted from TEB’s consumer portal guide.
Sign in to your TEB account
Use the login information provided by TEB or your plan administrator. Follow any first-time setup prompts in the portal. If you need access help, contact TEB.
Accounts
Review balances and account activity.
Tasks
Check alerts and receipt requests.
Tools & Support
Find available forms, plan summaries and help.
Message Center
Review notices and notification preferences.
Submit a reimbursement request
For accounts that offer reimbursement or provider-payment features:
- Choose an action. Select Reimburse Myself or Send Payment in the “I Want To” area, or locate the available claims option under Accounts.
- Enter the expense. Follow the wizard, select the appropriate account and enter the requested service and payee details.
- Attach documentation. Upload an itemized receipt when requested. Add another claim if the portal offers that option.
- Review and submit. Check the summary and required acknowledgments, then submit in the portal. Save your confirmation and monitor the status.
A submitted request is not the same as an approved reimbursement. Check Tasks or Claims for documentation requests and follow your plan’s rules.
Common questions
FSA and HSA, explained.
FSA questions
Can I use a Health Care FSA for dental and vision costs?
Eligible dental and vision expenses can qualify, along with other eligible out-of-pocket medical expenses. Ask the administrator about the specific service or item and keep your documentation.
What happens to money I do not use?
Health FSAs generally follow a use-it-or-lose-it rule. An employer may offer a limited carryover or a grace period, but not both for the same health FSA. Check which option, if any, your plan provides.
Does a payment-card purchase mean my claim is approved?
Not necessarily. Your administrator may request an itemized receipt or other evidence even when the card payment goes through. Follow the request and submission deadline.
Is a Dependent Care FSA the same as a Health Care FSA?
No. Dependent care generally covers qualifying care needed for work, such as eligible day care. Health care expenses belong under the applicable health benefit. Different eligibility and reimbursement rules apply.
Can I contribute to an HSA and have an FSA?
A general-purpose health FSA can make you ineligible to contribute to an HSA. A qualifying limited-purpose arrangement may be compatible. Check all coverage, including a spouse’s FSA, before contributing.
Where do I submit a claim or check my balance?
Use the administrator and account-access instructions supplied by your employer. If you cannot find them, contact TEB with your employer’s name and the type of FSA you have.
The portal says a receipt is needed. What should I do?
Look for Receipts Needed in Tasks, or open Claims and review the receipt status. Select the request and upload the required documentation. Keep your original receipt and check the status after submission.
How do I check a claim or reimbursement payment?
Open Accounts → Claims to review claim history and the available status filters. Use Accounts → Payments for reimbursement payment history. Expand an item to review the details shown for your account.
Where can I find forms and plan information?
Open Tools & Support for available forms and plan summaries. In Account Summary, selecting an account may also open its plan rules. Use Message Center to review available notices.
HSA questions
Do I lose the balance at the end of the year?
No. Unused HSA money carries forward for future use. This differs from the plan-year rules that generally apply to health FSAs.
Can I keep my HSA if I leave my employer?
Yes. The account is yours. You can continue using existing funds for qualified expenses, even if you are no longer eligible to make new contributions.
Can I use HSA funds for health insurance premiums?
Premiums generally do not qualify, but there are specific exceptions. Consult the IRS guidance or a tax professional before treating a premium as an eligible HSA expense.
Can I contribute while covered by a spouse’s FSA?
A spouse’s general-purpose health FSA that can reimburse your expenses can affect your HSA contribution eligibility. Ask the plan administrator to review the arrangement before you contribute.
How much can I contribute?
The applicable IRS limit depends on the year and your circumstances. Employer contributions count toward the overall limit. Confirm the current amount and your eligibility instead of reusing a prior year’s election.
Which tax form is associated with an HSA?
IRS Form 8889 is used to report HSA contributions and distributions and figure related tax amounts. Review the current form instructions with your tax preparer.
Where can I find my account or get help with a transaction?
Use your HSA custodian’s account-access and support instructions. If you need help identifying that resource, contact TEB with your employer’s name. Do not email account numbers or medical documents.
How do I view my current balance and account activity?
Review the Accounts area on the home page for balances. Open Accounts → Account Summary and select an account or linked amount to review the available activity and election details.
How do I report a lost card or request a replacement?
If your account includes a payment card, open Accounts → Banking and use Report Lost/Stolen or Order Replacement under Debit Cards. Follow the portal’s instructions or contact TEB for help.
Can I set up direct deposit for reimbursements?
If your employer offers online setup, open Tools & Support → Change Payment Method and follow the prompts for the applicable account. Complete any bank-verification steps requested inside the secure portal.
Read further
Official guidance and resources.
HealthCare.gov: using an FSA ↗An introduction to health FSA expenses and reimbursements. Opens an official resource in a new tab.IRS Publication 969 ↗Health FSA rules, account coordination and plan-year provisions. Opens an official resource in a new tab.IRS Publication 503 ↗Child and dependent care eligibility and expense guidance. Opens an official resource in a new tab.HealthCare.gov: HSA-eligible plans ↗An introduction to HSA coverage and qualified spending. Opens an official resource in a new tab.IRS Form 8889 and instructions ↗Current HSA tax reporting resources. Opens an official resource in a new tab.
Content reviewed October 23, 2026. This page provides general education; your plan documents and official notices determine your specific options.
Let’s find your next step.
Tell TEB which benefit you are asking about and the name of your employer. We can help direct your question to the appropriate resource.