Flexible Spending Accounts

FSA Overview

Clackamas County offers employees the opportunity to pay for eligible health care and/or dependent daycare expenses with pre-tax dollars using a Flexible Spending Account (FSA) administered by Navia. An FSA allows you to have a set amount taken from your pay before taxes, which lowers your income tax. The money is put into an account you use to reimburse yourself for eligible expenses.

We offer two types of FSAs:

  • The Health Care FSA is used to pay for most out-of-pocket medical, vision, and dental care expenses for you and your eligible dependents.
  • The Dependent Care FSA is for eligible day care expenses for a dependent child age under the age of 13, or elder care for a dependent adult, while you and your spouse work (or if your spouse is a full-time student or disabled).

You can enroll in one type of FSA or both. You contribute tax-free dollars to your FSA(s) through payroll deductions. You can claim amounts equal to your entire annual health care contribution from your Health Care Flexible Spending Account at any time during the year. To receive a reimbursement from your Dependent Care FSA, you must have enough funds in your account to cover the claim at the time you make the request for reimbursement.

The Navia Benefits Card

The Navia Benefits Card is a Debit MasterCard that allows to access your Health Care FSA funds to pay for eligible health care expenses. If you are only enrolled in a Dependent Care FSA, you will not receive a card. If you are enrolled in a Health Care FSA and did not receive a card, contact Navia at 866-897-1996.

The plan year ends on December 31. A roll over of Health Care FSA funds up to $500 is available to participants following the end of the runout period of March 31. Rollover funds become available to eligible participants in April.

"Use it or Lose it" IRS Rule

Contribute to an FSA only the amount you are reasonably sure you will spend annually and file all claims for reimbursement by March 31.

Contact Navia

  • For more information on the benefits of FSAs and how to use your accounts, visit the Navia website: www.naviabenefits.com
  • Call Navia: 866-897-1996


2051 Kaen Road Oregon City, OR 97045

Office Hours:

Monday to Thursday: 7 a.m. to 6 p.m.