Flexible Spending - Health Care

Flexible Spending Accounts (FSA) help you save money by allowing you to pay for eligible health care expenses with pretax dollars. Your contribution to an FSA will reduce your taxable income.

In 2025, as an RF employee, you may set aside up to $3,300 each year on a pre-tax basis to pay for health, dental, and vision care expenses that are not covered by insurance. Eligible expenses include deductibles, copays and over-the-counter medications (when prescribed by your doctor).

Employee Eligibility

You are eligible to open either type of FSA after completion of the applicable waiting period, if you are a salaried employee working at least 50 percent of a full time schedule. You are not eligible if you are paid variable hourly, a summer-only appointment, or a full-time SUNY student appointed in an RF student title.

Break in Service

Hired prior to 7/1/24

Prior to meeting the waiting period, if you incur a break in service of 28 days or more, you must meet a new waiting period.

After meeting the waiting period, if you incur a break in service of more than 28 days, you will need to satisfy a new waiting period.

Hired on or after 7/1/24

Prior to meeting the waiting period, if you incur a break in service of any number of days before you satisfy the waiting period, you will need to satisfy a new waiting period before coverage takes effect. After meeting the waiting period, if you incur a break in service of more than 28 days, you will need to satisfy a new waiting period.

For further information regarding changes to the Plan’s eligibility rules, please contact your Plan Administrator at 518-434-7101.

Enroll

Enroll online using Employee Self Service.

Refer to the guides to the right for more information. 

Continuation of Coverage

Except as provided by COBRA, reimbursement for health care expenses is only allowed after termination of employment if the expenses were incurred prior to your termination at the RF.

Should you experience a qualifying event, such as termination of employment or change in eligible status, you may choose to continue your Health Care FSA. Please contact your campus benefits office for more information.