Alight Smart-Choice Accounts®

Flexible Spending Accounts

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Alight’s Flexible Spending Account (FSA) solution provides an efficient, effective way to use pre-tax funds for qualified medical, dental and vision care costs, providing your employees peace of mind over their healthcare expenses.

Flexible FSA reimbursement options

Plan options that fit your organization’s needs, including debit card, choice and auto-pay models or manual claim submission.

Unmatched integration

Our integrated platform serves as a one-stop shop for Flexible Spending Account customer service, making account management easy for your people.

Easy access to FSA funds

Our Alight Smart-Choice Card® gives your people easy access to their FSA funds to cover qualified medical expenses with a single swipe. Our sophisticated hierarchy technology automatically pays for eligible services from the right account based on your plan rules.

Innovative pay

Our card processing, claims and banking are done in one system, so we can settle FSA transactions in real-time and automate your claim payments and participant reimbursements instantaneously.

Money gone mobile

Our mobile app offers full FSA account access at your fingertips. Submit claims, view real-time balances and transactions, or ask our voice-activated assistant, Emma, questions about your benefit accounts—all from your phone.

Comprehensive education on Flexible Spending Accounts

Our robust, ongoing communications—including online resources, videos and calculators—helps your people manage and understand their accounts.

Health plan neutral

Employees have the freedom to add new Flexible Spending Account types independent of any health plan additions or changes.

Robust reporting and analytics

Sophisticated FSA participant analytics and dashboards provide strategic insights and implement turnkey marketing programs to influence how your people spend and save.

Frequently asked questions – Flexible Spending Accounts

Alight Smart-Choice Accounts include a variety of product offerings, but we receive frequent questions about FSAs. Learn more and better understand the right solutions for your employees.

A flexible spending account (FSA) allows your employees to set aside pre-tax funds to cover current qualified healthcare expenses. Unlike HSAs, FSAs are not linked to high-deductible health plans, and up to $500 in funds may roll over from year to year, depending on the employer’s plan design. Funds will not move with your employees if they leave the organization.

The key difference between an FSA and HSA is flexible spending accounts (FSAs) are owned by employers and health savings accounts (HSAs) are owned by employees. FSA contributions are traditionally seen as “use it or lose it”, while unused HSA contributions can roll over and accumulate over time. Also, HSA contributions may be changed throughout the year, while FSA contributions can only be changed during open enrollment, a life event, or a plan change.

No more “use it or lose it”—employees can now rollover a maximum of $500 from their flexible spending account (FSA) to the next plan year. As an employer, you can reduce this rollover amount so long as it is the same for all employees. Employers can increase employee participation in FSAs by educating employees on the ability to rollover funds.

Employees can contribute pre-tax dollars to a flexible spending account (FSA) to pay for qualified medical expenses, which reduces their taxable income. FSAs are a great option for your employees who do not have access to an HSA.

As one of the world’s leading HR and health administration providers, Alight understands reimbursement accounts better than anyone else.

$24 million

in claims settlement


Flexible Spending Accounts serviced

2 million

Smart-Choice Accounts administered today


of organizations choose to stay with us every year

Ready to make the most out of your employees’ healthcare spend dollars?

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