confluent logo
Location
Health Savings Account
Commuter Account

Pre-Tax Spending Accounts

Pay less in taxes when you spend on benefits.

Healthcare FSA

Confluent offers you the option to enroll in a healthcare flexible spending account (FSA) that allows you to use pre-tax dollars to pay for many eligible healthcare expenses. It’s a smart way to help you spend less on taxes. Whenever you draw on your FSA account to pay yourself back for eligible healthcare expenses, you’re using pre-tax dollars—so your out-of-pocket costs for eligible expenses are reduced by the amount of taxes you would have otherwise paid on that money.

Keep in mind, you must enroll in order to participate in this voluntary spending account, and you must re-enroll each year to continue using it.

  • The IRS limit for 2026 is $3,400.
  • This is a “use it or lose it” account—Up to $680 of unused 2026 FSA funds can be rolled over for use in 2027. Any amount above that threshold will be forfeited at year end (following a 90-day runout period). 
  • All expenses claimed against this account must be incurred between 1/1/2026 and 12/31/2026.
  • You have until March 31, 2027 to submit claims for reimbursement against your 2026 FSA balance. 
  • This account can cover expenses  for you or your spouse and children, even if they aren’t covered on Confluent benefits.
    • Note: your spouse and children’s expenses are not eligible for reimbursement if they are covered under an HSA-eligible high deductible health plan.
  • Your full annual election will be available for use on January 1 each year, or the date on which you become eligible for Confluent benefits. You will then pay Confluent back through payroll deductions over the course of the year. 
  • IRS regulations require that you cannot enroll in the Healthcare FSA if you select the Collective Health HDHP/HSA or Kaiser HDHP/HSA medical plan option available through Confluent.
  • Confluent’s FSA is managed by Voya.  You’ll receive an FSA debit card from Voya, which can be used to pay for eligible expenses quickly and conveniently. However, not all providers may be able to accept your debit card. Should that happen, you can file a claim for reimbursement online through Voya’s website. 
  • Please note that Voya will request receipts or other documentation to ensure that claims are eligible for reimbursement. Voya will reach out to you via email or mobile app notification to collect this information when needed. Failure to submit documentation timely can result in your debit card being temporarily deactivated.

Take a look at this…

  • IRS regulations state that you cannot enroll in the Healthcare FSA if you participate in the Health Savings Account (HSA) plan available through Confluent.
  • However, if you want to benefit from extra tax savings in addition to what you’ll receive through the HSA, you are eligible to enroll in a special “Limited Purpose FSA.”
  • Like the Healthcare FSA described in this section, the Limited Purpose FSA lets you set aside up to $3,400 before taxes annually—but you can only use this money to pay for eligible dental and vision care expenses.
  • Limited Purpose FSAs are subject to the same rules and deadlines described for the Healthcare FSA above.
  • Keep in mind, it is only truly beneficial to enroll in Limited Purpose FSA if you are already maxing out your HSA. Your HSA funds can be used to cover the same dental and vision expenses and you run no risk of losing unused HSA funds at the end of each year, or if leaving Confluent.

Dependent Care FSA

Do you have children 12 and under, a spouse, parents, or others that rely on you for day care and other support? You may be eligible to take advantage of the Dependent Care Flexible Spending Account (FSA) available through Confluent.

If your dependents meet certain eligibility criteria (see below), you can enroll in a Dependent Care Flexible Spending Account (FSA) and use pre-tax dollars to pay for a variety of eligible dependent care expenses. It’s a smart way to help you spend less on taxes. Whenever you draw on your FSA account to pay yourself back for eligible dependent care expenses, you’re using pre-tax dollars—so your out-of-pocket costs for eligible expenses are reduced by the amount of taxes you would have otherwise paid on that money.

Keep in mind, you must enroll in order to participate in the Dependent Care FSA, and you must re-enroll each year to continue using it.

  • You can set aside up to $7,500 ($3,750 if you’re married and filing separately) in this account annually to pay for eligible dependent care expenses so that you (or your spouse, if you’re married) can work—or so your spouse can attend school full-time.
  • Use the money in this account to pay for services such as before- and after-school programs, day care, preschool, and dependent adult day care expenses.
  • Eligible dependents include your children aged 12 and under, or a spouse, parent, or other dependent age 13 or older who is physically or mentally incapable of self-care who spends at least eight hours a day in your home and can be claimed on your tax return.
  • When you enroll, you choose a dollar amount to be set aside each paycheck through pre-tax payroll deductions. That money is held in a separate account for you with Voya, Confluent’s FSA administrator. An easy-to-use mobile app and other online tools make submitting your eligible expenses easy and help ensure you’re reimbursed quickly.
  • This is a “use it or lose it” account—any unused balance in your Dependent Care FSA at the end of each year will be forfeited following the end of a 2.5 month grace period.
    • In general, all expenses claimed against this account should be incurred between January 1 and December 31.
    • But, you have until March 15th of the following year to incur and submit additional dependent care expenses against your remaining  balance if needed.

Health Savings Account

If you’re enrolled in either the Collective Health or Kaiser High Deductible Health Plan, the Health Savings Account (HSA) allows you to use pre-tax dollars to pay for out-of-pocket healthcare expenses for you and your eligible dependents. Confluent will also make HSA contributions on your behalf every pay period!

Here’s a look at the amount you’re allowed to set aside in your HSA, and how much Confluent will contribute to your HSA account. Both your contribution and Confluent’s contribution will count towards the IRS limit. The most you can contribute through payroll is the IRS limit, less the contributions from Confluent.

Confluent’s HSA contributions are made per-paycheck at the following amounts:

  • Employee-only: $45 per paycheck
  • Employee + Dependent(s): $90 per paycheck
2026 IRS Maximum Contribution* Annual Confluent Contribution** Your Maximum Payroll Contribution*
Employee Only $4,400 $1,170 $3,230
Employee + Dependent(s) $8,750 $2,340 $6,410

*For those 55+, the IRS allows an additional $1,000 annually in catch-up contributions.
**Amount is prorated for new hires. Funding is deposited each pay period following enrollment.

New to Confluent?

Remember that HSA contributions made at your former employer count against the annual IRS limit. You’ll want to factor those in when setting your Confluent contributions. You are responsible for ensuring you don’t overcontribute to your HSA.

  • You can start, stop, or change your HSA contributions at any time by clicking on “Change your current benefits” in the Benefits Enrollment Center (accessible via Okta). HSA contribution changes are always effective as of the first of the month following your completed submission.
  • You’ll be issued an HSA debit card by Fidelity to make spending your HSA money easy and convenient throughout the year.
  • You can use your HSA funds anytime to help pay for current eligible medical, dental, and vision expenses—or you can save them for future expenses.
  • Funds can be used for any reason once you reach retirement age, penalty free. But, withdrawals will be subject to income tax if they’re not used to cover eligible healthcare expenses. 
  • State income tax applies to HSA contributions and investment earnings in California and New Jersey.
  • The money in your HSA is always yours to keep. There’s no risk of losing funds at the end of the year, and you can take this money with you even after you depart from Confluent.
  • It’s important to note that IRS regulations require that you cannot enroll in the Healthcare FSA if you select the Collective Health or Kaiser HDHP/HSA medical plan option available through Confluent.
  • However, if you want to benefit from extra tax savings in addition to what you’ll receive through the HSA spending account, you are eligible to also enroll in a special “Limited Purpose FSA.”
  • Like the Healthcare FSA, the Limited Purpose FSA lets you set aside up to $3,400 before taxes annually—but you can only use this money to pay for eligible dental and vision care expenses allowed by the IRS.
  • Keep in mind, it is only truly beneficial to enroll in Limited Purpose FSA if you are already maxing out your HSA. Your HSA funds can also be used for dental and vision expenses and you run no risk of losing those funds because they are deposited into a bank account you own.

Commuter Account

When you choose to enroll in Confluent’s Commuter Spending Account, you can save money on taxes to pay for qualified transit, vanpooling, and parking expenses at or near work. This includes costs for work-related commuting expenses like transit passes, tokens, fare cards, vouchers, parking, and more.

  • Once you sign up, funds are automatically deducted from your paycheck on a pre-tax basis, lowering your taxable income.
  • IRS guidelines allow you to use pre-tax dollars to set aside up to $340 each month for eligible transportation expenses, and up to $340 each month for eligible parking expenses.
  • You’ll receive a debit card from our administrator, Voya, that you can use to pay providers at the time of service, using funds directly from your commuter account.
  • You can enroll and/or stop participating in this program at any time by clicking on “Change your current benefits” in the Benefits Enrollment Center (accessible via Okta). Money in this account can be used in future months or plan years.
  • Claims must be submitted within 180 days of when they’re incurred.
  • If you leave Confluent, any unused funds in your commuter account will be lost.

Contacts & Resources

Voya:

Confluent plan #: 723843

Fidelity

Confluent plan #: 99797

Documents