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Dependent Care FSA: Basic Information

Also known as a flexible spending arrangement, a Dependent Care FSA is a type of tax-advantaged savings account. This account is post-funded, meaning that funds will only be available to an employee once deductions are made through payroll.

Pre-tax deductions are taken from the employee’s payroll throughout the year and those deductions will be available that same day. Dependent Care FSA funds expire if they aren't used by the end of the plan year unless the company offers extension options such as rollover or grace period.

If your Dependent Care FSA is managed by Gusto, visit your Gusto Benefits Card Manager portal to review transactions, claims, and more.

Note for employers: In order to purchase and provide a Flexible Spending Account through Gusto, you must first have medical insurance managed by Gusto.

Pre-tax Limits

Dependent Care Flexible Spending Arrangements (includes limited-purpose FSAs) Filing Status

2019

2018

Married and filing jointly

$5000

$5000

Single Parent

$5000

$5000

Married and filing separately

$5000

$2500