Healthcare Flexible Spending Account (FSA)

Two T-Mobile employees taking a selfie in front of a pink T-Mobile sign on a gray wall.

Quick Links

Check Your 2026 Healthcare FSA Balance or File a Claim

Your Health Care Flexible Spending Accounts (FSA) is administered by MyChoice Accounts. You can use your FSA to pay for eligible medical expenses.

You may use your FSA money on expenses for yourself, your spouse, or your eligible dependent children up to age 26, regardless if you or they are participating in any other benefit plan. You must actively enroll each year to participate in an FSA.

Eligibility

All regular full-time and part-time employees scheduled to work 20 hours or more per week are eligible to participate in the Plan.

Additionally you cannot be enrolled in the HSA medical plan and contribute to an FSA.

FSA Insiders

Shop for 1000s of FSA-eligible items, learn more about your FSA and discover great savings on eligible expenses.

Shop FSA Store Now

New 2026 MyChoice Accounts FSA Key features

Tax-free money: Money goes in tax-free and comes out tax-free when used for eligible expenses.
Convenient payroll deductions: Contribute to your accounts easily and effortlessly.
Helpful budgeting tool: Plan for future expenses by setting aside money each paycheck.
Active enrollment required: You must re-enroll in your FSA each year to continue participating.
"Use it or lose it": You must use the money in your FSA accounts each year, otherwise you lose it. The only exception is for the Health Care FSA, where you can rollover $680 into the following year. Plan carefully to determine how much you want to put in.

Please note that the IRS sets limits on the amount you can contribute to an FSA each year. Consider this carefully when setting your contribution amount to ensure you take full advantage of the pre-tax benefits!

To learn more about FSAs and how to use them, review the MyChoice Accounts FSA FAQ.

2026 Contribution Limit: $3,400

Rollover Limit: $680

MyChoice Accounts FAQ: Flexible Spending Account (FSA)

How much can I contribute?

What can I pay for using my FSA?

The IRS determines which expenses are considered “eligible expenses.” Generally, healthcare FSA funds may be used on expenses such as doctor co-pays, lab fees, over the counter medications, some medical equipment, prescription drugs, eyewear, and doctor or hospital fees. A limited purpose FSA is restricted to dental, vision and preventive care expenses. For a full listing, visit our eligible expenses page.

How do I use my FSA?

There are a few ways to spend your funds.

Debit cards: The easiest method to pay providers or purchase eligible items is with your MyChoice Accounts debit card, if your account comes with a card. Cards are generally mailed to all participants a few weeks before your plan’s effective date. Activate it according to the directions on the card and use it to purchase eligible items or pay for eligible services.
Out-of-pocket (reimbursable expenses): You can also pay for eligible items with your own money and submit a claim for reimbursement online or via the MyChoice benefits app.
Directly through MyChoice Accounts: You can pay a provider, such as a doctor or lab, directly through your account online or via the mobile app. Once you request the payment, we will submit the payment to that provider on your behalf.

My plan has something called a rollover. What does that mean?

Can I use my FSA for my spouse's or dependent's expenses?

How do I know how much I have left in my account?

Can I change my contribution amount mid-year?

Typically, the IRS only allows a participant to change their contribution amount during your company’s annual enrollment period. There are a few exceptions.

If you have a “life event,” you may change your contribution within 30 days. Examples of qualifying life events include:

Change in legal marital status, domestic partnership or civil union status
Change in the number of eligible dependents of the employee or dependents of the domestic partner or civil union partner
Add dependent—birth, adoption, placement for adoption, etc.
Loss of dependent—dies or reaches age 26 unless disabled as defined under the eligibility section
Change in employee’s, spouse’s, domestic partner’s, civil union partner’s or dependent’s employment status
Gain/lose entitlement to Medicare or Medicaid (60 days)
A change in residence of the employee, spouse, domestic partner, civil union partner or eligible dependent, which affects eligibility for coverage
Judgment, decree, or Qualified Medical Child Support order for health coverage of an eligible child
Significant change in daycare cost (Dependent Care FSA only)

Pay Smarter for Care: FSAs

Understand how FSA options can help you save on health and dependent care expenses.

For Questions on 2025 Claims

Please reach out to Smart-Choice at 1-800-330-3796.

Provider Contact

T-Mobile Benefits Center
Toll Free: (855) TMO-BENS (855-866-2367)
Hours: M-F 5 a.m. – 5 p.m. Pacific