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# Flexible Spending Account Administrators (FSA plans) | ABS, Inc.

Since 1993, Advanced Benefit Strategies has been the industry leader in Flexible Spending Account administration and Section 125, FSA Cafeteria Plans.

## Sitemaps

- [XML Sitemap](https://www.abs125.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Latest News](https://www.abs125.com/about-abs/news/) - About Us Latest News [sp_news grid="list" limit="10" pagination_type="numeric" content_words_limit="20" category="latest-news"]
- [Mobile App Facts](https://www.abs125.com/mobile-app/) - ABS MOBILE BENEFITS: Faster. Simpler. All in One Place. Visit the ABS website and head to the homepage to easily find direct links to download our mobile app. With just a few clicks, you can get the mobile app on your device and manage your benefits anytime and anywhere. Manage your benefits and more. Check
- [IRS 2027 HSA Limits](https://www.abs125.com/irs-sets-2025-hdhp-hsa-limits-2/) - 2027 HSA Maximum Contribution For calendar year 2027, the maximum HSA contribution is $4,500 for an individual with self-only HDHP coverage and $9,000 for an individual with family HDHP coverage. Self-only contribution limit is changing from $4,400 in 2026 to $4,500 in 2027. Family contribution limit is changing from $8,750 in 2026 to $9,000 in
- [IRS Announces 2026 limits for FSA, Commuter Benefits, QSEHRA, Adoption and Tuition Assistance](https://www.abs125.com/irs-announces-2023-limits-for-fsa-commuter-benefits-and-more/) - 2026 FSA, Commuter, QSEHRA, Adoption and Tution Limits Health FSA and Limited FSA Annual limit: $3,400.00 Transit & Parking (Commuter Benefits) Monthly limit: $340.00 2026 Qualified Small Employer HRA (QSEHRA) Limits: Individual limit: $6,450.00 Family limit: $13,100.00 2026 Adoption Assistance Limit: Annual limit: $17,670.00 2026 Tuition Assistance Limit: Annual limit: $5,250.00

## Pages

- [Front Page](https://www.abs125.com/) - Since 1993, Advanced Benefit Strategies has been the industry leader in Flexible Spending Account administration and Section 125, FSA Cafeteria Plans.
- [Employees](https://www.abs125.com/employee-portal/) - Employees Employee and Plan Participants How to get money spent on health-related expenses back into your pocket. A Flexible Spending Account plan is only offered through payroll deduction. You’re allowed to set aside dollars from your paycheck into the flexible spending account. Money you choose to have deposited into any account is untaxed as it
- [Shop](https://www.abs125.com/shop/) - Shop Eligible Items \n"},"name":"Open Enrollment Guide"}]}]}],"name":"Open Enrollment Guide"}],"version":"5.0.32","type":"layout"} -->
- [FSA Eligibility List](https://www.abs125.com/employee-portal/fsa-eligibility-list/) - Employees FSA Eligibility List Savings Calculator FSA Payroll Calculator HSA Goal Calculator Additional Resources Frequently Asked Questions Educational Tools
- [Submit a Reimbursement Request](https://www.abs125.com/employee-portal/submit-a-reimbursement-request/) - Employees Submit a Reimbursement Request ABS Mobile App, Consumer Portal, Email, Fax or by Mail. Consumer Portal: Submit a manual claim for reimbursement. Click reimburse me or pay your provider. Receipt Upload Options: Drag a picture of your receipt into the box provided or Scan the QR code. Mobile App: Download the ABS Mobile App
- [Enrollment and Participation](https://www.abs125.com/employee-portal/enrollment-and-participation/) - Employees Maximize Your Paycheck !!! Keep more of what you earn! With an ABS Flexible Spending Account (FSA), you contribute pre-tax dollars from your paycheck to pay for eligible healthcare or dependent care expenses. Since those contributions are made before most taxes are calculated, you reduce your taxable income and increase your take-home pay. 1.
- [Activate Debit Card](https://www.abs125.com/activate-debit-card/) - Activate Debit Card Activate
- [Employers](https://www.abs125.com/employers/) - Employers Employers, HR Professionals & Brokers ABS takes a hands on approach to simplify and provide solutions taking the hassle out of your employee benefit administration. Our clients save hundreds of thousands of dollars in FICA taxes each year. Why not pass along tax savings to your employers and employees? Put your mind at ease
- [Elevate](https://www.abs125.com/elevate/) - Follow these steps to enroll: Watch for the welcome email from ABSFollow the instructions to create your new login for the ABS Consumer Portal Activate your new ABS debit card when it arrivesNew Debit Card activation completes account verification and gives you full access to your account and funds. Set up new ABS online accessLog
- [Employer Portals](https://www.abs125.com/employer-portals/) - Employer Portals WHITE DEBIT CARD Log In
- [Member Portals](https://www.abs125.com/member-portals/) - Member Portals WHITE DEBIT CARD Log In
- [Benefits Debit Card Overview](https://www.abs125.com/employee-portal/benefits-debit-card-saves-you-time-and-money/) - Employees ABS Debit Card Your ABS debit card is the fastest and most convenient way to access your funds and pay for eligible expenses. You can request additional debit cards from your online account. We will automatically mail you a new debit card 30 or more days prior to expiration. Don' forget to add your
- [Direct Deposit](https://www.abs125.com/employee-portal/direct-deposit/) - Employees Direct Deposit Add your banking today for Direct Deposit! Direct Deposit: Login to your account Click your profile/initials in the upper-right corner. Select Manage Account. Click Reimbursement Options. Select Add Payment Method. Choose Direct Deposit. Connect your bank account: Instantly using your online banking credentials, or Manually by entering your routing and account
- [Friends of ABS](https://www.abs125.com/friends-of-abs/) - Our Friends Friends of ABS ABS would like to thank our friends and vendors that help us give you the best Advanced Benefit Strategies! Would you like to participate? Click here and send us a message. Click on the logos below to learn about the organization and mention our name to see if there are any
- [Frequently Asked Questions](https://www.abs125.com/about-abs/frequently-asked-questions/) - About Us Frequently Asked Questions Pre -Tax Accounts Health Reimbursement Accounts (HRA) What can I submit for reimbursement? Please see our Eligible Expense Sheet for some common examples or contact your plan administrator for specific information. Why was my claim denied? There can be many reasons why a claim was denied, but most of them
- [Contact Us](https://www.abs125.com/contact-us/) - About Us Contact ABS Give your company a tax break… Call ABS today! Advanced Benefit Strategies, Inc.30 Mill StreetUnionville, CT 06085 Phone: 860-675-2261Fax: 860-673-2207 ABS hours: Monday-Friday 9:00am-5:00pm Closed Saturday and Sunday The ABS Team PresidentStephen J. Repka, IIsrepka@abs125.comExtension 412Chief Operating OfficerPamela Hiatt Repkapam@abs125.comExtension 452 Marketing/SalesJennifer Cohenjennifer@abs125.comExtension 456 COBRA AdministrationAshley CanfieldCobra@abs125.comExtension 429 Account ManagerEmily HoopleEmily@abs125.comExtension 417 Account
- [Privacy Statement](https://www.abs125.com/about-abs/privacy-statement/) - About Us Privacy Statement Advanced Benefit Strategies, Inc. Privacy PolicyLast Updated: May 20, 2026 INTRODUCTION Advanced Benefit Strategies, Inc. (“ABS,” “we,” “us,” or “our”) is committed to protecting your personal information and your right to privacy. If you have questions regarding this Privacy Policy or our data practices, please contact support@abs125.com.This Privacy Policy applies to all
- [About ABS](https://www.abs125.com/about-abs/) - About Us Advanced Benefit Strategies, Inc. ABS is more than just another pre- tax benefit administrator. ABS considers every aspect of your benefit plan to be part of our responsibility—serving as a true extension of your payroll and human resources team. Based in Unionville, Connecticut in the heart of Southern New England, ABS is well
- [Resources](https://www.abs125.com/about-abs/resources/) - About Us Educational Tools View our library of helpful video content below: Contact Us Videos
- [BenefitsCard](https://www.abs125.com/benefitscard/)
- [COBRA / Retiree Billing Portal](https://www.abs125.com/cobra/) - COBRA / Retiree Billing Portal Log In
- [Terms & Conditions](https://www.abs125.com/about-abs/terms-conditions/) - About Us Mobile App & Consumer Portal – Terms and Conditions of Use Effective Date: October 8, 2025 1. INTRODUCTIONWelcome to Advanced Benefit Strategies, Inc. (“ABS,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of the ABS Mobile App and Consumer Portal (collectively, the “Services”). By accessing or using the Services,
- [Lifestyle Spending & Wellness Accounts](https://www.abs125.com/employers/lifestyle-spending-and-wellness-accounts/) - Employers Lifestyle Spending & Wellness Accounts Promote healthy habits and overall well-being by creating your fully customizable, post-tax Lifestyle and Wellness account. Offering a flexible and customizable plan your employees want, simplify the participant/s experience, while easily managing your entire offering in one place. Frequently Asked Questions (FAQ) What is a Lifestyle Spending and Wellness
- [Flexible Spending Accounts: Health Care (FSA) & Dependent Care Accounts (DCA)](https://www.abs125.com/employers/health-care-dependent-care-reimbursement-account/) - Employers Flexible Spending Accounts Health Care Flexible Spending (FSA) & Dependent Care Account Reimbursement (DCA) Accounts FSA is an employer-sponsored benefit plan that allows an employer to deduct pre- tax dollars from an employees paycheck to pay for eligible healthcare and/or dependent care expenses incurred while participating in the plan. FSA accounts are exempt from
- [Health Reimbursement Arrangements (HRA)](https://www.abs125.com/employers/health-care-reimbursement-arrangements/) - Employers Reimbursement Plans Health Reimbursement Arrangements (HRA) An HRA is a consumer directed, tax-free health care reimbursement arrangement established and funded by the employer. The employee uses the funds, tax-free, to pay for qualified out-of-pocket medical expenses that the employer deems eligible when setting up the plan. ICHRA (Individual Coverage HRA) allows all businesses, regardless of
- [Employee Navigator Integrations](https://www.abs125.com/employers/employee-navigator/) - Employers Employee Navigator Integrations A hassle-free all-in-one enrollment platform for FSA, HRA, HSA, Commuter Benefits & more. Streamline Employee ManagementKnow instantly when an enrollment event occurs and minimize claim & billing issues. Employee Self-ServiceEasy-to-use self-service puts employees in the driver's seat 24/7/365. Enhance CommunicationWhether it's benefits, compliance, or company communications, employees are always in the
- [Health Savings Account](https://www.abs125.com/employers/health-savings-account/) - Employers Health Savings Account ABS offers over 30 mutual fund investment options with partner Healthcare Bank. Health Savings Accounts (HSA) are pre-tax bank accounts that let your employees save money on eligible medical, dental and vision expenses, including copays, prescriptions and a variety of products. To be eligible for an HSA, an employee must be
- [Employee Test](https://www.abs125.com/employee-test/) - Employees Tilte Here Sub Tilte (Headling Style 4). Copy and text here. Savings Calculator FSA Payroll Calculator HSA Goal Calculator Additional Resources Frequently Asked Questions Educational Tools
- [Tuition Reimbursement](https://www.abs125.com/employers/tuition-reimbursement/) - Employers Tuition Reimbursement The plan is designed to furnish cash reimbursements for certain educational expenses. An employer is able to pay for part or all of an employee’s continuing education following specific criteria to the maximum allowed by the IRS. Companies are offering this benefit as a way to stay competitive and help employees receive
- [Adoption Assistance](https://www.abs125.com/employers/adoption-assistance/) - Employers Adoption Assistance Pre-tax expenses include adoption fees and related medical expenses, attorney fees, court costs, and travel costs. Adoption assistance is an employer-sponsored program that financially assists or reimburses employees for expenses related to the adoption of a child per the IRS guidelines. Adoption assistance allows employees the benefit of a pre-tax financial cushion
- [ABS (TEMPLATE)](https://www.abs125.com/abs-template/) - Employers Tilte Here Sub Tilte (Headling Style 4). Copy and text here. Savings Calculator FSA Payroll Calculator HSA Goal Calculator Additional Resources Frequently Asked Questions Educational Tools
- [Request a Quote](https://www.abs125.com/employers/request-a-quote/) - Employers Employer Quick Quote Fill out our quick quote form and start saving! Give us a call at 877-732-8125 and you'll be on your way to discovering why hundreds of employers look to ABS for impartial guidance on Section 125 and Section 105 plans for their employees. Savings Calculator FSA Payroll Calculator HSA Goal
- [COBRA Continuation Services](https://www.abs125.com/employers/cobra-services/) - Employers COBRA Continuation Services The Consolidated Omnibus Budget Reconciliation Act The Consolidated Omnibus Budget Reconciliation Act, which became law in 1986 gives individuals and their family members the right to choose to temporarily keep the group health insurance benefits that they would otherwise lose after reducing work hours or losing a job. Don’t get squeezed
- [Premium Only Plans (POP)](https://www.abs125.com/employers/premium-only-plans/) - Employers Premium Only Plans (POP) The Premium Only Plan is a fringe benefit plan, which is authorized under the I.R.S. code Section 125. It is a tax reduction plan, not an insurance plan. The Premium Only Plan allows employees to pay for their portion of benefit plan costs on a before tax basis. What plans
- [Transportation Benefit Plans](https://www.abs125.com/employers/transportation-benefit-plans/) - Employers Transportation Benefit Plans A fringe benefit plan, which is authorized under the I.R.S. code Section 132. It is a tax reduction plan, not an insurance plan. The Transportation Benefit Plan allows employees to pay for their transit passes, commuter and qualified parking costs on a before-tax basis. What can we expect to save with
- [Over the Counter Examples](https://www.abs125.com/employee-portal/over-the-counter-examples/) - Employees Over the Counter Examples Effective January 1, 2020 the COVID-19 Cares Act Bill included two key provisions. The changes include: Over the Counter (OTC) Rx Repeal: Prescriptions or doctor’s notes will no longer be required for over-the-counter (OTC) drugs, including items like Tylenol, Claritin, Antacid, etc. when purchased with an FSA or HSA. FSA
- [Key IRS Rules to play by](https://www.abs125.com/employee-portal/key-irs-rules-to-play-by/) - Employees Key IRS Rules to Play By The IRS has strict rules about using a flexible spending account plan: Flexible spending plans are a great way to s-t-r-e-t-c-h your paycheck and save on the cost of unreimbursed medical, dental and child or eldercare expenses for you and your family. So… anticipate your expenses carefully to
- [How do I check my remaining balance?](https://www.abs125.com/employee-portal/how-do-i-check-my-remaining-balance/) - Employees How do I check my remaining balance? ABS Mobile App & Online Consumer Portal Mobile App Access your benefits 24/7 with the benefits ABS mobile app. Our app is free, convenient and offers real-time access to all your benefits accounts. Log in to your account(s) with ease using your fingerprint or face enabled technology. Quickly
- [Chewsi Dental Care](https://www.abs125.com/employers/chewsi-dental-care/) - Employers Chewsi Dental Care Advanced Benefit Strategies, Inc. is proud to partner with Chewsi, the new way to save big at the dentist — every service, every time. From routine care like cleanings and fillings to more expensive services like implants and crowns, Chewsi gets you significant savings you can’t get on your own, with
- [Take full advantage of your ABS flexible spending plan](https://www.abs125.com/employee-portal/take-full-advantage-of-your-abs-flexible-benefit-plan/) - Employees Take full advantage of your ABS flexible spending plan How to get money spent on health-related expenses back into your pocket. A flexible spending plan is only offered through payroll deduction. You’re allowed to set aside dollars from your paycheck into the flexible benefit accounts you choose to open. Money deposited into your flexible
- [How a Flexible Spending Account Works](https://www.abs125.com/employee-portal/how-a-flexible-spending-account-works/) - Employees How a Flexible Spending Account works Take a look at this year’s health expenses, especially prescriptions, to estimate health expenses for the upcoming year. Each year, prior to enrolling into these plans, estimate your anticipated medical expenses, dependent care and transportation expenses. Contact your Pharmacist for a printout of all paid prescriptions. The total

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