Savings & Spending Accounts

Pay for Expenses with Tax-Free Dollars

Depending on the medical plan you choose, you can contribute pre-tax dollars to a Health Savings Account (HSA) or a Flexible Spending Account (FSA) to help pay for eligible health care expenses. The table below summarizes which accounts you’re eligible for and how the plans work.

Account Comparison

	HSA	Health Care FSA	Limited Purpose FSA	Dependent Care FSA*
Who Can Participate	Only HSA plan enrollees	You don’t need to be enrolled in any other Sysco benefits to participate	Only HSA plan enrollees	You don’t need to be enrolled in any other Sysco benefits to participate
Eligible Expenses	Qualified medical, prescription, dental, and vision plan deductibles, coinsurance, copays, and other eligible expenses for you and your covered dependents	Qualified medical, prescription, dental, and vision plan deductibles, coinsurance, copays, and other eligible expenses for you and your covered dependents	Qualified dental and vision expenses for those who are enrolled in the HSA plan only	Eligible day care expenses, such as licensed day care centers, family or adult day care facilities, babysitters, and day camps for children under age 13 and disabled dependents of any age Cannot be used to pay for medical expenses
2026 Contribution Limit	$4,400 for individual coverage $8,750 for family coverage	$3,400	$3,400	$7,500***
Sysco's Contribution	If you make a minimum contribution of $50 (individual) or $100 (family), Sysco contributes^† $250 (individual) or $500 (family)	N/A	N/A	N/A
Contribution Changes	Though October 31 each year	During Annual Benefits Enrollment or if you experience a qualifying life event during the year	During Annual Benefits Enrollment or if you experience a qualifying life event during the year	During Annual Benefits Enrollment or if you experience a qualifying life event during the year
“Use It or Lose It” Rule	None—roll over your entire balance from year to year The account is yours to keep, even if you leave Sysco	Forfeit any unused funds on December 31 If you enroll for the upcoming year, you can carry over up to the annual IRS carryover limit to pay for expenses incurred the following year	Forfeit any unused funds on December 31 If you enroll for the upcoming year, you can carry over up to the annual IRS carryover limit to pay for expenses incurred the following year	Forfeit any unused funds on December 31
* Due to annual IRS nondiscrimination testing, highly compensated employees may be subject to a lower DCFSA contribution limit, which Sysco may adjust at any time to ensure compliance. Colleagues who will be age 55 or older in the upcoming year can contribute an additional $1,000 in catch-up contributions. * If you and your spouse file separate federal tax returns, the limit is $3,750. † HSA contributions from Sysco count toward the total IRS annual contribution limit.

Details about the HSA

Watch these videos to learn more about how the HSA works and how it can help you and your family not only pay for medical expenses, but also plan for the future.

Take Another Look at the HSA

Taste of the HSA