The following spending and savings account options save you money by lowering your overall taxable income while creating a source of funds for your eligible out-of-pocket costs.
A Flexible Spending Account (FSA) lets you set aside pre-tax dollars for eligible healthcare, dependent care, and commute/parking expenses, reducing your taxable income and increasing your take-home pay. By using an FSA, you can save money throughout the year, freeing up funds to invest, pay down debt, or build your savings.
Your contributions are pre-tax, so if you contribute $1,000 and are in the 22% tax bracket, you would save $220 that would have otherwise been deducted for taxes. You can then use that $1,000 on eligible out-of-pocket expenses throughout the year.
Chipotle provides you with the following FSA options:
A Healthcare FSA allows employees to set aside pre-tax dollars to pay for eligible health-related expenses such as copays, prescriptions, and medical supplies. For 2026, employees can contribute up to $3,400, up from $3,300 in 2025. Employers may allow up to $680 of unused funds to roll over to the next plan year. Please note that this FSA option is NOT compatible with the Anthem CDHP with HSA medical plan.
For Anthem CDHP with HSA participants, a Limited Purpose FSA lets you use pre-tax dollars for eligible dental and vision expenses while maintaining HSA eligibility. The 2026 contribution limit is also $3,400, with up to $680 in unused funds eligible for rollover, similar to a standard Healthcare FSA.
A Dependent Care FSA enables employees to use pre-tax dollars for eligible dependent care expenses, including daycare, preschool, and elder care. For 2026, the contribution limit is $7,500 for single filers and married couples filing jointly, and $3,750 for married individuals filing separately, up from $5,000 and $2,500, respectively. Funds are available only as they are contributed and do not roll over.
An Adoption Assistance FSA provides pre-tax funds to help cover qualified adoption expenses, including agency fees, court costs, and travel, making adoption more affordable. For 2026, the contribution limit is $17,670 per adoption, up from $17,280 in 2025.
A Commuter/Parking FSA lets employees use pre-tax dollars to pay for eligible commuting expenses, such as public transportation and parking, reducing taxable income. The 2026 monthly contribution limit is $340 for qualified transit and parking benefits, up from $325 in 2025.
Spending Account funds are considered “use-it-or-lose-it.” The Healthcare and Limited Purpose Healthcare FSAs allow you to roll over up to $680 of unused funds from year to year. Otherwise, funds that are not used by the end of the year are lost.
When you enroll in the Anthem CDHP medical plan, you may choose if you want to open an HSA. An HSA is a powerful way to pay for eligible out-of-pocket costs while saving money. There are several reasons to consider enrolling in the Anthem CDHP with HSA
Your HSA is a personal bank account that you own. It’s up to you how much you contribute and when to use the money. HSA funds never expire and can even be used in retirement.
Your HSA pre-tax contributions, accrued interest, and qualified purchases are all tax-free, keeping more money in your pocket.
When you enroll in an HSA, you will receive a debit card providing you extra convenience when paying for eligible expenses.
