Health Care FSA

The Health Care Flexible Spending Account (Health Care FSA) allows you to set aside before-tax dollars to help pay for eligible out-of-pocket expenses in a given year.

A Health Care FSA—available only if you're not contributing to a Health Savings Account (HSA)—allows you to reimburse yourself for eligible out-of-pocket health care expenses using before-tax dollars. You can contribute if you:

  • Enroll in the $500 Deductible medical option.
  • Enroll in a High Deductible Health Plan (HDHP), but don’t maintain an HSA.
  • Waive medical coverage (i.e., you decide not to enroll for MDLZ-sponsored medical coverage).

You may elect up to $3,200 before-tax for 2025 (this is the contribution limit, even though the IRS’s annual contribution limit for 2025 is $3,300).

Once you enroll and make your Health Care FSA contribution election on MyBenefits Online, Fidelity sends you additional information (including a debit card called the NetBenefits® Access Card). You can then use your card to pay for eligible expenses, or you can submit claims for eligible expenses via the NetBenefits website.

The NetBenefits website is also where you go for account information throughout the year, including the status of any submitted claims.

Fidelity Investments®

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You forfeit unused amounts

You forfeit any amount remaining in your Health Care FSA at the end of the coverage period. If you participate in a Health Care FSA, you have until March 31, 2026 to submit claims for 2025 eligible expenses.

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Looking for more details?

You can access more detailed information about the Health Care FSA, including a description of eligible health care expenses, in the Summary Plan Description (SPD) posted under the Reference Center on MyBenefits Online. Or visit the NetBenefits website.