Flexible Spending Accounts

FSAs — pay with tax-free dollars.

Set aside pre-tax money for eligible healthcare and dependent care expenses.

Your guide

Choose and manage your account

Open each account to compare eligibility, expenses, limits, and year-end rules.

What is an FSA?Set aside pre-tax money for eligible healthcare and dependent care costs

A Flexible Spending Account (FSA) lets you set aside money from your paycheck before taxes to pay for eligible expenses, which lowers your taxable income.

Gong offers three FSAs: Healthcare, Limited Purpose (dental and vision, for Cigna HDHP members), and Dependent Care.
You choose how much to contribute each year when you enroll, and it comes out of each paycheck.
FSAs follow use-it-or-lose-it rules, so plan your election carefully.

Video: What is an FSA?

Open on Vimeo

Healthcare FSAFor eligible medical, dental, vision, and pharmacy expenses

You do not need to enroll in a Gong medical plan. Estimate expected out-of-pocket costs, then use your FSA debit card for eligible office visits, surgery, prescriptions, dental, vision, and certain drugstore items.

If you or your spouse is enrolled in the Cigna HDHP, you cannot use a general healthcare FSA.

Limited Purpose FSAFor dental and vision when you have the Cigna HDHP

This account is compatible with an HSA because it is limited to eligible dental and vision expenses. It helps HDHP participants preserve HSA dollars for current or future medical expenses.

Dependent Care FSAFor work-related care for children and adult dependents

Use pre-tax funds for care that allows you and your spouse to work or attend school full-time.

Daycare, preschool, before- and after-school programs, and summer day camp for children under 13
Care for a spouse or adult dependent who lives with you and cannot care for themselves
Reimbursement is limited to the amount currently contributed to the account

2026 limitsAnnual contribution limits for this year

Healthcare FSA: $3,400
Limited Purpose FSA: $3,400
Dependent Care FSA: $7,500 per household ($3,750 if married filing separately)
Healthcare / Limited Purpose rollover: Up to $680

2027 limitsFinal IRS limits for 2027

These are the final 2027 limits released by the IRS. Healthcare and Limited Purpose FSA limits increase to $3,500 and the rollover increases to $700. The Dependent Care FSA limit is unchanged at $7,500.

Healthcare FSA: $3,500
Limited Purpose FSA: $3,500
Dependent Care FSA: $7,500 per household ($3,750 if married filing separately)
Healthcare / Limited Purpose rollover: Up to $700

Use-it-or-lose-it rules2026 rollover, deadlines, and election changes

Healthcare and Limited Purpose FSAs may roll over up to $680 into the following year.
Dependent Care FSA funds do not roll over and must cover expenses incurred in the same plan year.
FSA elections generally cannot change mid-year without a qualifying life event.
Submit prior-year claims by March 31.

The full annual healthcare or Limited Purpose FSA election is available at the beginning of the plan year. Dependent Care FSA funds become available as payroll contributions are deposited.

Access your accountNavia for 2026 · Benepass starting in 2027

New for 2027: Benepass

Starting January 1, 2027, Benepass becomes Gong's FSA administrator, replacing Navia. You'll sign in to Benepass through Okta and get a new Benepass card. Elections don't carry over, so you must re-enroll in ADP during Open Enrollment to take part in 2027.

For 2026 (Navia)

Visit Navia, select Register Here, then I'm a participant. Enter Gong employer code NG3. If you also enroll in commuter benefits, Navia provides one debit card for all Navia-administered accounts.