FSA Enrollment

Enroll with One Simple Form

If your employer offers Gallagher HealthInvest FSA, read our FSA Enrollment Guide. Then, complete and submit a Gallagher HealthInvest FSA Enrollment Form to your employer or follow your employer’s instructions for electronic (paperless) enrollment. You can do this during annual open enrollment or when you’re first hired. Your FSA contribution election(s) will be divided up and deducted from your paychecks before taxes. You may be allowed to increase or decrease your contribution election if you experience a qualifying life event (QLE) and your plan allows mid-year changes.

Healthcare FSA

Estimate how much you’ll spend out of pocket on medical, dental, and vision bills for you, your spouse, and dependents. This includes your adult children through the end of the calendar year in which they turn age 26. Consider expenses like copays, deductibles, eyeglasses, contact lenses, dental, orthodontia, prescriptions, over-the-counter products, insulin, etc. The IRS Healthcare FSA contribution limit for 2026 is projected to be $3,400.

Limited Purpose FSA

Will you or  your spouse be making or receiving contributions to a health savings account (HSA) during the plan year? If so, you cannot have a Healthcare FSA with full coverage, according to IRS rules. Instead, you can elect a Limited Purpose FSA that can pay or reimburse qualified dental and vision expenses only. The IRS Limited Purpose FSA contribution limit for 2026 is projected to be $3,400. 

Dependent Care FSA

Estimate how much you’ll spend on qualified dependent care. This may include day care, after-school care, babysitting, preschool, day camps, and adult (elder) care. The IRS Dependent Care FSA contribution limit for 2026 is $7,500 ($3,750 if married filing separately). 

IMPORTANT: Don’t overestimate! Your FSA is a “spending” account, not a “savings” account. To avoid forfeiture, you must use your FSA money within the plan year unless your plan allows a carryover (up to $660) into the next plan year or has a grace period (up to 2.5 months). Check your plan’s Summary Plan Description for specific provisions. To get a copy, log in and click Resources.