Overview+

Future-ready planning

Take advantage of opportunities to save more for the things that are important. From health-related expenses to dependent care and even your commute, Voya's suite of Health Savings and Spending Accounts help you stretch your dollars further with tax-advantaged and easy-to-use, accessible accounts.

What are the benefits?

Health Savings & Spending Accounts can help you achieve your overall financial goals. These tax-advantaged accounts can help combat rising health insurance costs and make the benefits you already have more dynamic.

Features of these accounts include: Tax-free saving and spending, direct deposit and debit card access, online account management, and a convenient mobile app.

How do I get it?

Whether you have a Health Flexible Spending Account (Health FSA) or a Health Savings Account (HSA), you can benefit from the savings opportunities to support your healthcare costs. Just choose the accounts that apply to your lifestyle and we'll integrate them into a secure site where you can manage everything in one place.

Talk to your employer to learn more about whether your company offers these benefits.

Types of accounts+

Types of accounts

How do I know which account is right for me?
Use this comparison chart to discover which accounts make sense for your financial plan.

 

Health Savings Account (HSA) Health Flexible Spending Account (Health FSA) Limited Purpose FSA Dependent Care FSA Commuter Benefits Account
Cover eligible out-of-pocket healthcare expenses by combining a tax-advantaged HSA with your high-deductible health plan. Pay for qualified medical expenses with pre-tax dollars funded by you and/or your employer. Allocate extra tax-advantaged funds for dental and vision care expenses via payroll deductions. Covers dependent care expenses including daycare, nursery school and day camp for children, and for adult dependents who need care. Make your commute count with a tax-free way to pay for transit and parking expenses.
Do I get to keep the money if I don't use it?
Yes.
There is no use-it-or-lose-it requirement and any funds that remain in the cash account continue to grow and accrue interest until they are needed.
Do I get to keep the money if I don't use it?
No.
Any money left in your FSA at the end of the year will not roll over.
Do I get to keep the money if I don't use it?
No.
Any money left in your Limited Purpose FSA at the end of the year will not roll over.
Do I get to keep the money if I don't use it?
No.
Any money left in your Dependent Care FSA at the end of the year will not roll over.
Do I get to keep the money if I don't use it?
Yes.
Any funds that remain in the account roll over if not used. Who makes contributions?
Who makes contributions?
Individual/Employee AND/OR Employer
Who makes contributions?
Individual/Employee AND/OR Employer
Who makes contributions?
Individual/Employee AND/OR Employer
Who makes contributions?
Individual/Employee
Who makes contributions?
Individual/Employee

Get Started+

Get Started


Help Fill the Gaps

Voluntary benefits &
HSAs to manage
healthcare expenses

Already have a
Health Savings
& Spending
Account?

Health Savings and Spending Accounts (HSSAs) are accounts offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC) and administered by WEX Health, Inc.

Investments are not FDIC Insured, are not guaranteed by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC), and may lose value. All investing involves risks of fluctuating prices and the uncertainties of return and yield inherent in investing. All security transactions involve substantial risk of loss.

The amount you save in taxes will vary depending on the amount you set aside in the account, your annual earnings, whether or not you pay Social Security taxes, the number of exemptions and deductions you claim on your tax return, your tax bracket and your state and local tax regulations. Check with your tax advisor for information on how your participation will affect your tax savings.