Pre-tax Savings

You can save money on health care and dependent care expenses by paying for them with tax-free accounts. Using these accounts effectively will help you take full advantage of their money-saving potential.

HSA Overview

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FSA Overview

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Key Features at a Glance
- Tax-free money — Money goes in tax-free and comes out tax-free when it's used for eligible expenses.
- Convenient payroll deductions — Contribute to your accounts easily and effortlessly.
- Helpful budgeting tool — Plan for upcoming expenses by setting aside money each paycheck.

How Much Could You Save?

Tax-advantaged accounts make a difference! See how much contributing to an HSA or FSA could save you over the course of a year.

Tax savings on $2,000 contribution to HSA or FSA
Rate
Savings
Federal income tax
28%
$560
State income tax
5%
$100
Payroll tax (FICA)
7.65%
$153
Total tax savings for the year with an HSA or FSA

$813

NOTE: This hypothetical illustration is for educational purposes only. Dollar amounts or savings will vary depending on income, state and city tax rules, and other factors. Please consult a tax, legal, or financial advisor about your own personal situation.

Tax savings on $2,000 contribution to HSA or FSA	Rate	Savings
Federal income tax	28%	$560
State income tax	5%	$100
Payroll tax (FICA)	7.65%	$153
Total tax savings for the year with an HSA or FSA		$813

Comparing The Accounts

	HSA	Limited Purpose Health Care FSA	Health Care FSA	Dependent Care FSA
Available with	Medical HSA Plan	Medical HSA Plan	Standard PPO Plan Premier PPO Plan (Also available if you waive medical coverage)	Any medical plan (Also available if you waive medical coverage)
Receive company contribution	$250 (Employee Only tier) $500 (all other tiers)	No	No	No
Change your contribution amount anytime	Yes	No	No	No
Access your entire annual contribution amount as needed	No	Yes	Yes	No
Access only funds that have been deposited	$640 will carry over	No	Yes	No
Use account money for…	All eligible health care expenses	Only dental and vision expenses until you meet the IRS-required deductible, then use for all eligible health care expenses	All eligible health care expenses	Eligible dependent care expenses, including child care for children up to age 13 and care for dependent elders
"Use it or lose it" at year-end	No	$680 will carry over	$680 will carry over	$680 will carry over
Money is always yours to keep	Yes	No	No	No

Health Savings Account (HSA)
Employees in the Medical HSA Plan can open and contribute money to a Health Savings Account through HealthEquity. The HSA is a tax-free savings account that you can use to pay for eligible health expenses anytime, even in retirement.
- Put money in tax-free — Contribute to your HSA through pre-tax payroll deductions. Change your contribution amount anytime.
- Get company contributions — $250 for employees with Employee Only medical plan coverage. $500 for employees who also cover dependents.
- Pay for care tax-free — Pay for eligible medical, dental, and vision expenses for you and your family using your HSA debit card (provided sufficient funds are in your account).
- Carry over unused money — All the money in your HSA is yours to keep, year after year. You can build up savings to pay for future health care expenses. You can even invest your money once it reaches a minimum balance, which gives you the potential for tax-free earnings growth and a way to plan ahead for your medical costs in retirement.
Keep in mind: 2026 contribution limits

The total amount you and Publicis can contribute to your HSA this year is:
- $4,400 for individual medical coverage.
- $8,750 for family medical coverage.
- Add $1,000 to these limits if you're age 55 or older.
For next year: 2027 contribution limits

The total amount you and Publicis can contribute to your HSA this year is:
- $4,500 for individual medical coverage.
- $9,000 for family medical coverage.
- Add $1,000 to these limits if you're age 55 or older
Increase your tax savings with a Limited Purpose Health Care FSA

Use your HSA together with the Limited Purpose FSA for additional tax savings. Note that with the Limited Purpose FSA, only dental and vision expenses are allowed.

Triple tax advantage

The HSA has a triple tax advantage that trumps even a 401(k) or Roth IRA. Money goes in tax-free for federal taxes (state income taxes may apply in some states). Your balance can grow tax-free, through interest or investment earnings. Money comes out tax-free for eligible health care expenses.

Manage your HSA — HealthEquity

Participation in a Health Savings Account — Important Rules:
- Since HSAs offer significant tax advantages, the IRS regulates who may contribute. You may not participate in a Health Savings Account if:
  - You can be claimed as a tax dependent on another individual’s tax return
  - You are also enrolled in Medicare or TRICARE
  - You have medical plan coverage other than a high-deductible health plan (like the Medical HSA Plan), including coverage under your spouse’s or domestic partner’s plan
  - You or your spouse participates in a health care FSA in or outside of the Publicis benefits platform
Member and website support

For member and website support, call 1-877-635-5472. The customer service team is available:
- Monday - Friday: 8:00 am ‒ 11:00 pm ET
- Saturday and Sunday: 9:00 am ‒ 6:00 pm ET

Health Care Flexible Spending Account (FSA)
You can use Health Care FSA funds to pay for eligible health care expenses for you and your eligible dependents, including:
- Doctor's office co-pays
- Prescription drugs
- Dental expenses
- Vision expenses
- Other qualified health care expenses not covered or reimbursed by another health plan
For a complete list of eligible expenses, visit HealthEquity.

For member and website support, call 1-877-924-3967. The customer service team is available Monday through Friday, 8:00 am to 8:00 pm ET.

Keep in mind: 2026 contribution limits

The most you can contribute to your Health Care FSA is $3,400. You can carry over up to $680 in unused funds to the next plan year.
Manage your FSA - Health Equity

Documents & Resources:

Limited Purpose Health Care FSA
The Limited Purpose Health Care FSA has the same features as the Health Care FSA, except you can only use the funds for dental and vision expenses UNTIL you meet the HSA plan deductible. After you meet the deductible, you can use the funds for any qualified health care expenses. This FSA is only available for employees enrolled in the Medical HSA Plan.
- Limited Purpose FSA Quick Start Guide

Dependent Care FSA
Use the Dependent Care FSA to pay for qualifying dependent day care expenses. To qualify, you (and your spouse, if married) must be working, looking for work, or a full-time student.

Eligible expenses include services in your home or outside it for a qualifying person, such as:
- Licensed day care centers
- Licensed family day care homes
- Before- and after-school programs
- Elder care day care centers
- Preschool programs (not including kindergarten)
The IRS sets the maximum amount you can contribute each year. Keep in mind: 2026 contribution limits. The most you can contribute is $7,500 per household, or $3,750 if you're married and filing separately.

For a complete list of eligible expenses, visit HealthEquity.
- Summary Plan Description for Publicis Dependent Care FSA
- HealthEquity Dependent Care Claim Form

Planning Your FSA Contributions
A little planning helps you get the most out of your FSA savings. Consider:
- Your medical, dental, and vision elections.
- Health care costs you and your dependents expect this year, like a planned procedure or ongoing prescriptions.
- Estimate what your coverage won't reimburse, including deductibles, coinsurance, and copays. FSAs are "use it or lose it," so estimate conservatively.
- HealthEquity offers calculators to help:
  - Health Care FSA calculator
  - Dependent Care FSA calculator
- See the FSA FAQs for common questions.

Submitting Claims
If you enroll in a Health Care FSA or Limited Purpose Health Care FSA, you'll get a HealthEquity Healthcare Card to pay directly at qualifying merchants: doctor and dentist offices, hospitals, pharmacies, mail-order prescription vendors, and hearing and vision providers. The card also works at discount and grocery stores that use the IRS-required Inventory Information Approval System (IIAS), which limits purchases to eligible items. The card draws funds directly from your FSA.
- Keep your receipts. Publicis can request them at any time.
- You can also submit claims through:

FSA Special Rules and Restrictions
The IRS regulates FSAs closely. Keep these rules in mind:
- If you have an HSA, you can't also have a regular Health Care FSA. You can pair your HSA with a Limited Purpose FSA or a Dependent Care FSA.
- FSAs only reimburse expenses incurred during the calendar year. You have until March 31 of the next year to submit claims for prior-year expenses.
- You can't transfer funds between the Health Care FSA, Limited Purpose FSA, and Dependent Care FSA.
- Health Care FSA funds can't cover dependent care expenses, and Dependent Care FSA funds can't cover health care expenses.
- Your FSA contributions lower your taxable wages, which may slightly reduce your future Social Security benefits.
- You can't change or stop your election until the next enrollment period unless you have a qualifying life event. See the Publicis Connection Life Events/Benefits Matrix.
- Dependent Care FSA expenses qualify for the same federal and state dependent care tax credit, but you can't claim both for the same expense.

Pre-Tax Savings

Pre-tax Savings