OVERVIEW

An HSA allows you to contribute part of your paycheck on a pretax basis to pay for eligible health care expenses or invest for the future. 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 for potential tax-free growth. Plus, once you reach age 65 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.

2025 MAXIMUM ANNUAL CONTRIBUTIONS*

You only                          $4,300

Family                              $8,550

*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 debit card, 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 this debit card 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 on the Apple App Store or Google Play.

WHAT ELSE SHOULD I KNOW?

Some expenses may require additional documentation, 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.

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.

2025 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 debit card from Fidelity, 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 this debit card 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 on 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.

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 and you’ll have until Mar. 31 of the following year to submit claims.

CARRY-OVER

From 2024 to 2025, team members with an HCFSA were able to carry over up to $640 of unused dollars; from 2025 to 2026, HCFSA users will be able to carry over up to the IRS allowable maximum.

ELIGIBLE EXPENSES

Click here for a list of eligible expenses.

2025 CONTRIBUTION LIMITS

Between $120 and $3,300

HOW DO I USE HCFSA?

When you set up an HCFSA goal amount, you will receive a debit card from Fidelity, if you don’t already have one, which you can use to pay for eligible health care expenses. The same debit card will give you access to any other spending account funds you may have (except commuter account and DCFSA). When you use this debit card 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 on 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.

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.

2025 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 on the Apple App Store or Google Play.

WHAT ELSE SHOULD I KNOW?

All claims for expenses will require supporting 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.

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 and you’ll have until Mar. 31 of the following year to submit claims.

CARRY-OVER

From 2024 to 2025, team members with an LPFSA were able to carry over up to $640 of unused dollars; from 2025 to 2026, LPFSA users will be able to carry over up to the IRS allowable maximum.

ELIGIBLE EXPENSES

Click here for a list of eligible expenses.

2025 CONTRIBUTION LIMITS

Between $120 and $3,300

HOW DO I USE MY LPFSA?

When you set up an LPFSA goal amount, you will receive a debit card from Fidelity, 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 on 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.

OVERVIEW

A commuter account allows you to use pretax funds to pay for eligible mass transit expenses associated with your commute to work. Any contributions you elect to make to a commuter account are deducted from your paycheck on a pretax basis, reducing your taxable income, and automatically loaded onto your Fidelity NetBenefits CommuterCard each month.

ELECTION

Elections are made on a monthly basis. If you make a commuter benefit election, pre-tax paycheck deductions will continue each month until you change or stop your election (you can change or stop your election for an upcoming month at any time). If you take no action at year end, your pre-tax paycheck deductions will continue for the following year.

CARRY-OVER

At the end of the year, funds that are credited to your commuter account will automatically carry over to the new year. As long as you remain an active team member, this carryover rule applies. When you leave American, however, your NetBenefits Commuter Card will be deactivated. Only expenses incurred prior to your separation from Americal are eligible for reimbursement, which must be submitted within 180 days from when the expense was incurred. Unused funds are forfeited afterwards.

2025 CONTRIBUTION LIMITS

Monthly pretax limits are set by the IRS. For 2025, it’s $325 per month.

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 ELECT MY COMMUTER BENEFITS?

You can elect commuter benefits by going to Fidelity NetBenefits and selecting the Flexible Spending and Reimbursement Accounts tile. Click here to learn how to elect for commuter benefits. Once you make your election, contributions will automatically be deducted from your paycheck and Fidelity will send you the NetBenefits CommuterCard, which will be loaded each month with the amount you elected so 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 8th of the month preceding the benefit month.