Limited Flexible Spending Account (LFSA)

Targeted coverage for dental and vision.

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Health & Welfare

About this plan

A Limited Flexible Spending Account (LFSA) is a specialized FSA available to employees enrolled in an HSA-eligible high-deductible health plan. It covers dental, vision, and preventive care expenses only — preserving HSA eligibility while still offering pre-tax savings. NBS administers LFSAs alongside HSAs with debit card access and full compliance support.

What's Included

Compatible with HSA enrollment — preserves HSA eligibility
Covers dental, vision, and preventive care expenses
Pre-tax savings reduce taxable income
NBS Debit Card for eligible expenses
Grace period and carryover options available
Non-discrimination testing handled by NBS

For Employers

An LFSA pairs with your HDHP/HSA offering to give employees additional pre-tax savings for dental and vision — without disqualifying them from HSA contributions. NBS administers both accounts.

For Participants

Your LFSA lets you save pre-tax for dental and vision expenses while keeping your HSA eligibility intact. Use your NBS Debit Card at the dentist or optometrist.

NBS administers more than Limited Flexible Spending Account (LFSA)

Many employers use NBS across multiple benefit types — consolidating administration simplifies vendor management and gives your employees a consistent experience. You may also be interested in these related plans.

Questions? We're here to help.

Whether you're an existing client, a participant with a question, or exploring NBS for the first time — our team is ready.