Commuter Benefits

The Transportation Reimbursement Incentive Program (TRIP), through HealthEquity, allows you to lower your commuting costs by using before-tax dollars to pay for qualified transportation expenses, such as commuter transit passes and parking. If you enroll in TRIP, you'll receive a HealthEquity Transit Commuter Card you must use to pay for your transportation passes. Your account is replenished each month through payroll deductions to purchase your transit pass, pay for your qualified parking, or reimburse yourself for qualified expenses based on the arrangements you make when you enroll. For 2026, the pre-tax contribution limit is $340 per month each for transit and parking.

You can manage your account online through the HealthEquity Web Portal. The HealthEquity EZ Receipts mobile app also allows you to view your account balance.

• Eligible Expenses

  Parking Expenses

  Eligible parking expenses:

  • Parking expenses for parking at work or near a location from which you commute to work by mass transit, vanpooling in a commuter highway vehicle, or carpool by other means

  • Vendor parking lots

  • Vendor parking garages

  Ineligible parking expenses:

  • Parking expenses for parking at or near your residence

  • Expenses incurred that are not for parking at or near your place of business

  Transportation Expenses

  Eligible transportation expenses:

  • Bus and commuter highway vehicles

  • Mass transit vehicles, metro and transit passes (bus, rail, ferry)

  • Pass, token, fare card, voucher, or similar items for transportation on mass transit

  • Vanpooling — transportation provided by an employer to an employee, in a vehicle that seats at least six adults (excluding the driver)

  Ineligible transportation expenses:

  • Carpooling

  • Gas

  • Toll fees

• Transit/Parking Card

  If you enroll for TRIP, you will receive in the mail a HealthEquity Transit Commuter Debit Card and/or a Parking Commuter Debit Card. Upon receipt, you will need to activate your HealthEquity Transit Commuter and/or Parking Commuter Debit Card(s) in order to pay for your eligible commuter expenses.

  HealthEquity provides a Commuter Savings Calculator to help you estimate how much more money you could take home when you use a pre-tax benefit. TRIP allows you to change your contribution from month to month and unused balances can be carried forward each year. You can enroll, change, or stop your TRIP election at any time during the year.

• Transit Systems Not Accepting the HealthEquity Card

  For compliance purposes, your HealthEquity Transit Card will NOT work at the following transit agencies. For these systems, you will need to pay with another form of payment and submit a claim and receipt to HealthEquity using the Commuter Card Special Handling Form:

  • New Jersey Transit (NJT) — Use via NJT mobile app or at designated ticket vending machines. For parking, card can be used for NJT parking balances.

  • Caltrain

  • Port Authority Transit Corporation (PATCO)

  • Washington Metropolitan Area Transit Authority (WMATA) — SmartTrip

• Post-Tax Commuter Benefit

  The post-tax commuter benefit allows you to pay for eligible commuter expenses exceeding the IRS pre-tax contribution limits. If enrolled in TRIP, you may use your HealthEquity Debit Card to pay for all eligible commuter expenses. You must enter a pre-tax TRIP election up to the IRS maximum before entering a post-tax election.

• 180-Day Claim Submission Deadline

  For paper claims (instances where the HealthEquity Commuter Debit Card could not be used), you may file claims using the Special Handling Form within 180 calendar days from the date the expense was incurred. If your provider doesn't issue a receipt, such as for token machines, parking meters, or cashboxes, attach a Substitute Receipt Form instead.

  HealthEquity will deny claims filed after 180 days.

• How to Enroll or Change TRIP

  On bswift, go to the TRIP benefit and click "View Plan Option." Follow the steps to enter your commuter/transit elections. Click SUBMIT to save the change. Processing time is approximately 1–2 pay periods. If enrolling, allow approximately 2.5 weeks to receive your Commuter Debit Card from HealthEquity.

• Upon Termination of Employment

  • HealthEquity Transit Commuter Debit Card remains active for 90 days after termination date—use any remaining balance within that period or forfeit.

  • HealthEquity Parking Commuter Debit Card is closed upon termination—parking balances are forfeited immediately per IRS rules.