American offers several different types of pretax spending accounts as a convenient way to help you lower your out-of-pocket expenses on eligible health, dependent care and commuter expenses. All accounts are administered by Fidelity Investments.

Eligibility

You can choose from several types of spending accounts. Review your eligibility below.

AccountWho Is Eligible
Health care flexible spending account (HCFSA) All team members excluding those enrolled in the Core medical option
Dependent care flexible spending account (DCFSA)All team members
Health reimbursement arrangement (HRA)Team members enrolled in the Plus medical option who complete a preventive care exam.*
Retirement health reimbursement arrangement (RHRA)**Team members enrolled in the Plus medical option who complete a preventive care exam.*
Health savings account (HSA)Only team members enrolled in the Core medical option
Limited purpose flexible spending account (LPFSA)Only team members enrolled in the Core medical option
Commuter accountTeam members are eligible as long as they are actively working (not on a leave of absence).
*If you have an HRA from prior years that has credits remaining, you are able to use those credits towards eligible medical, prescription, dental or vision expenses, as long as you are enrolled in any medical option but Core. If you are enrolled in the Core medical option, your HRA will be limited purpose (LPHRA) and can only be used towards eligible dental and vision expenses.

**Available through a separate RHRA plan once you are 65-point retired.

Account types

With an HSA, HCFSA and LPFSA, you can set aside part of your income for medical, dental, vision, and prescription expenses for you and your covered dependents. You can also open a DCFSA to help pay for child daycare, after school programs, elder care and more. Commuter accounts can help pay for eligible mass commuter transit expenses associated with your commute to work.

With an HRA, which is funded by American, eligible team members in the Plus medical option can earn these credits to use towards eligible medical, dental, vision and prescription expenses for themselves and their covered dependents.

Select an option below to learn more:

HSA

OVERVIEW

An HSA allows you to contribute part of your paycheck on a pretax basis to pay for eligible health care expenses throughout the year. You can change the amount you contribute throughout the year (up until Dec. 2), and your funds will never expire. You keep your HSA even if you leave American and can even invest your funds and earn interest. Plus, once you reach retirement age you can withdraw funds for non-health-related expenses without penalty, but subject to normal income tax.

CARRY-OVER

Funds never expire, even if you leave American.

ELIGIBLE EXPENSES

Click here for a list of eligible expenses.

2024 MAXIMUM ANNUAL CONTRIBUTIONS*

You only                          $4,150

Family                              $8,300

*You can contribute an additional $1,000 annually if you are over age 55.  

HOW DO I USE MY HSA?

When you enroll in the Core option, you will be given the opportunity to contribute to an HSA during the enrollment process. If you don’t already have an HSA at American, you will need to open and activate an account on Fidelity NetBenefits. Fidelity will send you the Fidelity NetBenefits AccessCard, if you don’t already have one, which you can use to spend any HSA funds. The same card will give you access to any other spending account funds you may have (except commuter account and DCFSA). When you use your NetBenefits AccessCard to pay for eligible expenses, the amount is automatically deducted from the appropriate spending account.

You can submit manual claims, upload receipts, check your balance and manage your account on Fidelity NetBenefits and on the Fidelity Health mobile app, available for download from the Apple App Store or Google Play.

WHAT ELSE SHOULD I KNOW?

Some expenses may require additional documentation to be submitted through the Fidelity NetBenefits, so be sure to save all your receipts.

If you use your HSA to pay for an expense that is not eligible, the expense will be subject to taxes plus a penalty.

You can find all the details on HSAs on the Plan Guides page.

 

 

HRA

OVERVIEW

Only team members who are enrolled in the Plus plan AND who get a preventive care exam during the benefit year are eligible to have credits deposited into an HRA. (Some team members may have HRA credits remaining from prior years’ programs.) You can use these credits to pay for eligible health care expenses now for yourself and your eligible dependents.

CARRY-OVER

Credits carry over from year to year, and there is no limit to how much you can carry over. Any remaining credits at your retirement — as long as you’re 65-point plan eligible — carry over into your RHRA. (To be considered 65-point eligible at American, your age plus a minimum of 10 years of credited service at American must add up to 65.)

ELIGIBLE EXPENSES

Click here for a list of eligible expenses.

CONTRIBUTION LIMITS

American will make a one-time contribution of $500 in credits to your HRA each year and $1,000 to an RHRA each year, provided you are enrolled in the Plus medical option AND complete a preventive medical exam. Only American can contribute credits to your account.

HOW DO I USE MY HRA?

You can use your HRA to pay for eligible expenses while an active team member; you won’t be able to access your RHRA credits till after you’ve retired from American under the 65-point plan.

Once credits are deposited into your account, you will receive a Fidelity debit card, the NeBenefits AccessCard, if you don’t already have one, which you can use to pay for eligible medical expenses. The same card will give you access to any other spending account funds you may have (except commuter account and DCFSA). When you use your NetBenefits AccessCard to pay for eligible expenses, the amount is automatically deducted from the appropriate spending account.

You can submit manual claims, upload receipts, check your balance and manage your account on Fidelity NetBenefits and on the Fidelity Health mobile app, available for download from the Apple App Store or Google Play.

WHAT ELSE SHOULD I KNOW?

You can use your HRA credits to pay for eligible medical expenses as long as you are enrolled in the Standard, Plus, High Cost Coverage, DFW ConnectedCare, PPO 80 or PPO 90 medical option. If you’re enrolled in Core, you can still use your HRA, but only for dental and vision expenses until you go back to one of the above-mentioned plans.

Some expenses will require additional documentation to be submitted through the NetBenefits, so be sure to hang on to all of your receipts.

Should you leave American, you will only be able to receive reimbursement for claims incurred up to your last day of employment, unless you continue coverage under COBRA or retire under American’s 65-point plan.

You can find all the details on HSAs on the Plan Guides page.

HCFSA

 

OVERVIEW

An HCFSA allows you to contribute part of your paycheck on a pretax basis to pay for eligible health care expenses throughout the year. The total annual amount you elect will be available to use from Jan. 1 through Dec. 31. Up to $570 of any remaining funds will rollover to the next plan year, the rest will be forfeited.

CARRY-OVER

From 2023 to 2024, team members with an HCFSA were able to carry over up to $570 of unused dollars; from 2024 to 2025, HCFSA users will be able to carry over up to $610.

ELIGIBLE EXPENSES

Click here for a list of eligible expenses.

CONTRIBUTION LIMITS

Between $120 and $3,050

HOW DO I USE HCFSA?

When you set up an HCFSA goal amount, you will receive a Fidelity debit card, the NeBenefits AccessCard, if you don’t already have one, which you can use to pay for eligible medical expenses. The same card will give you access to any other spending account funds you may have (except commuter account and DCFSA). When you use your NetBenefits AccessCard to pay for eligible expenses, the amount is automatically deducted from the appropriate spending account.

You can submit manual claims, upload receipts, check your balance and manage your account on Fidelity NetBenefits and on the Fidelity Health mobile app, available for download from the Apple App Store or Google Play.

WHAT ELSE SHOULD I KNOW?

Some expenses will require additional documentation to be submitted through the NetBenefits, so be sure to hang on to all of your receipts.

Should you leave American, you will only be able to receive reimbursement for claims incurred up to your last day of employment, unless you continue coverage under COBRA.

You can find all the details on HCFSAs on the Plan Guides page.

DCFSA

OVERVIEW

The DCFSA allows you to set aside money on a pretax basis to help pay for eligible day care expenses for your eligible adult and child dependents (up to age 13) so that you and your spouse can work, look for work, or attend school.

CARRY-OVER

Funds may not be carried over from year to year. However, you will have a little more time to use the funds in your DCFSA. You can incur expenses through March 15 and have until March 31 to submit claims for reimbursement.

ELIGIBLE EXPENSES

Click here for a list of eligible expenses.

CONTRIBUTION LIMITS

Up to $5,000 per family (or $2,500 if married and filing taxes separately).

HOW DO I USE MY DCFSA?

You can submit manual claims, upload receipts, check your balance and manage your account on Fidelity NetBenefits and on the Fidelity Health mobile app, available for download from the Apple App Store or Google Play.

WHAT ELSE SHOULD I KNOW?

Some expenses will require additional documentation to be submitted through the NetBenefits, so be sure to save all your receipts.

Should you leave American, you will only be able to receive reimbursement for claims incurred up to your last day of employment. DCFSAs are not eligible for COBRA.

You can find all the details on DCFSAs in the Summary Plan Description on the Plan Guides page.

 

LPFSA

 

OVERVIEW

An LPFSA allows you to contribute part of your paycheck on a pretax basis to pay for only eligible dental and vision expenses throughout the year. The total annual amount you elect will be available to use from Jan. 1 through Dec. 31.

CARRY-OVER

From 2023 to 2024, team members with an HCFSA were able to carry over up to $570 of unused dollars; from 2024 to 2025, HCFSA users will be able to carry over up to $610.

ELIGIBLE EXPENSES

Click here for a list of eligible expenses.

CONTRIBUTION LIMITS

Between $120 and $3,050

HOW DO I USE MY LPFSA?

When you set up an LPFSA goal amount, you will receive a Fidelity debit card, the NeBenefits AccessCard, if you don’t already have one, which you can use to pay for eligible dental and vision expenses.

You can submit manual claims, upload receipts, check your balance and manage your account on Fidelity NetBenefits and on the Fidelity Health mobile app, available for download from the Apple App Store or Google Play.

WHAT ELSE SHOULD I KNOW?

You cannot use both your LPFSA and your HSA together to pay for the same expense. Some expenses will require additional documentation to be submitted through the NetBenefits, so be sure to hang on to all of your receipts.

Should you leave American, you will only be able to receive reimbursement for claims incurred up to your last day of employment, unless you continue coverage under COBRA.

You can find all the details on LPFSAs on the Plan Guides page.

Commuter account

OVERVIEW

A commuter account allows you to use pretax funds to pay for eligible mass transit expenses associated with your commute to work. Contributions to a commuter account are deducted from your paycheck on a pretax basis, reducing your taxable income.

CARRY-OVER

Commuter benefits are a month-to-month benefit, so you aren’t required to reenroll. This means that at the end of the year, funds will automatically carry over to the new year.

2024 CONTRIBUTION LIMITS

Monthly pretax limits are set by the IRS. For 2024, it’s $315 per month. Any contributions over the monthly pretax limit will be considered post-tax.

ELIGIBLE EXPENSES

With your Fidelity NetBenefits CommuterCard, you can purchase transit passes, tokens, fare cards, vouchers or similar items entitling you to ride a mass transit vehicle to or from work. The mass transit vehicle may be publicly or privately operated and includes bus, rail, or ferry. Benefits may not be used for tolls, gas, mileage, or other personal commuting expenses.

HOW DO I USE MY COMMUTER BENEFITS?

You can enroll by going to Fidelity NetBenefits and selecting the Commuter Account tile. Click here to learn how to enroll for commuter benefits. Once enrolled, contributions will automatically be deducted from your paycheck and Fidelity will send you the NetBenefits CommuterCard, which you can use to pay for eligible mass transit expenses.

You can also update your Commuter Benefit election amount on NetBenefits if you ever need to change the monthly amount. Click here to learn how to change your monthly election amount.

WHAT ELSE SHOULD I KNOW?

Your commuter election will reload each month on a recurring basis unless you make changes to or discontinue your election. You can’t cancel your monthly order after the ordering period is closed. In general, the deadline to place orders is the 12th of the month preceding the benefit month.

 

RHRA

Fidelity Health mobile app

Apple App Store |  Google Play Store

Save time by managing your spending accounts with this app anywhere, anytime. The Fidelity Health mobile app goes where you go, making it convenient to check your balance, submit claims, get reimbursed, take photos of your receipts and more.