{"id":4,"date":"2026-02-13T17:02:52","date_gmt":"2026-02-13T17:02:52","guid":{"rendered":"https:\/\/myoeme.io\/anglehealth-fr\/?page_id=4"},"modified":"2026-05-09T07:10:03","modified_gmt":"2026-05-09T07:10:03","slug":"tax-free-spending-accounts","status":"publish","type":"page","link":"https:\/\/myoeme.io\/anglehealth-fr\/benefits\/tax-free-spending-accounts\/","title":{"rendered":"Comptes de d\u00e9penses exon\u00e9r\u00e9s d&#8217;imp\u00f4ts"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull disable-element-on-mobile has-aspect-ratio wp-duotone-unset-1\" style=\"padding-top:36vh;padding-bottom:40px;aspect-ratio:auto;min-height:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-1939 size-full\" alt=\"\" src=\"https:\/\/myoeme.io\/wp-content\/uploads\/2026\/01\/Untitled-design-49.png\" data-object-fit=\"cover\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-10 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-64f91264 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:72%\">\n<h2 class=\"wp-block-heading\" style=\"padding-bottom:10px;font-size:clamp(25.014px, 1.563rem + ((1vw - 3.2px) * 1.327), 42px);font-style:normal;font-weight:700\"><strong><strong>Profitez des avantages. Laissez l&#8217;imp\u00f4t<\/strong><\/strong>.<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:28%\"><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover alignfull hide-on-large-devices has-aspect-ratio wp-duotone-unset-2\" style=\"padding-top:20vh;padding-bottom:var(--wp--preset--spacing--20);aspect-ratio:auto;min-height:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-1954 size-full\" alt=\"\" src=\"https:\/\/myoeme.io\/wp-content\/uploads\/2026\/01\/AdobeStock_1338597511-1-1.jpeg\" data-object-fit=\"cover\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-20 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-a0d5411a wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:72%\">\n<h2 class=\"wp-block-heading\" style=\"padding-bottom:10px;font-size:clamp(25.014px, 1.563rem + ((1vw - 3.2px) * 1.327), 42px);font-style:normal;font-weight:700\"><strong><strong>Profitez des avantages. Laissez l&#8217;imp\u00f4t<\/strong><\/strong>.<\/h2>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-81056d93 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-ebd3efb7 wp-block-columns-is-layout-flex\" style=\"padding-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-column disable-element-on-mobile is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-group oeme-sidebar-menu-items has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<h4 class=\"wp-block-heading has-large-font-size\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-style:normal;font-weight:700\">Options de compte<\/h4>\n\n\n\n<ul style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;padding-bottom:var(--wp--preset--spacing--40);padding-left:0;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.156), 16px);\" class=\"wp-block-list is-style-default oeme-horizontal-menu\">\n<li class=\"oeme-link-hra \"><a href=\"#section-hra\" class=\"is-active\">Arrangement de remboursement de sant\u00e9 (HRA)<\/a><\/li>\n\n\n\n<li class=\"oeme-link-hsa oeme-hide-hsa\"><a href=\"#section-hsa\">Compte d&#8217;\u00e9pargne sant\u00e9 (HSA) \u2013 Parrain\u00e9 par l&#8217;employeur<\/a><\/li>\n\n\n\n<li class=\"oeme-link-hsa-employee oeme-hide-hsa-employee-funded\"><a href=\"#section-hsa-employee-funded\">Compte d&#8217;\u00e9pargne sant\u00e9 (HSA) \u2013 Financ\u00e9 par l&#8217;employ\u00e9<\/a><\/li>\n\n\n\n<li class=\"oeme-link-fsa \"><a href=\"#section-fsa\">Compte de d\u00e9penses flexible (FSA)<\/a><\/li>\n\n\n\n<li class=\"oeme-link-lpfsa oeme-hide-lpfsa\"><a href=\"#section-lpfsa\" data-type=\"internal\" data-id=\"#section-dca\">Compte de d\u00e9penses flexibles \u00e0 but limit\u00e9 (LPFSA)<\/a><\/li>\n\n\n\n<li class=\"oeme-link-dca oeme-hide-dca\"><a href=\"#section-dca\" data-type=\"internal\" data-id=\"#section-dca\">Compte de soins aux personnes \u00e0 charge (FSA de soins aux personnes \u00e0 charge)<\/a><\/li>\n\n\n\n<li class=\"oeme-link-parking oeme-hide-parking\"><a href=\"#section-parking\">Stationnement et transport (Avantages des navetteurs)<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column disable-element-on-mobile is-layout-flow wp-block-column-is-layout-flow\" style=\"border-left-color:var(--wp--preset--color--base);border-left-width:1px;padding-right:var(--wp--preset--spacing--40);flex-basis:1px\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"border-top-style:none;border-top-width:0px;border-right-style:none;border-right-width:0px;border-bottom-color:#cccccc;border-bottom-style:none;border-bottom-width:0px;border-left-style:none;border-left-width:0px;padding-top:var(--wp--preset--spacing--30);flex-basis:70%\">\n<div id=\"section-hra\" class=\"wp-block-group oeme-tax-free-account-section is-open has-global-padding is-layout-constrained wp-container-core-group-is-layout-10557fc6 wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-aee35ac31a77dbeb6add83364f7f5815 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Arrangement de remboursement de sant\u00e9 (HRA)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Soutien financ\u00e9 par l&#8217;employeur pour vos d\u00e9penses de sant\u00e9.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<div style=\"padding:56.25% 0 0 0;position:relative;\"><iframe src=\"https:\/\/player.vimeo.com\/video\/1190623603?h=943a45cfef&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;\" title=\"Employee Navigator_20260113_100052_Final_English_Video_2025\"><\/iframe><\/div><script src=\"https:\/\/player.vimeo.com\/api\/player.js\"><\/script>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-49aaae91ca500f3c83d6762ad2af0285 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CE QUE C&#8217;EST :<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un arrangement de remboursement de sant\u00e9 (HRA) est un avantage financ\u00e9 par l&#8217;employeur qui vous rembourse les d\u00e9penses de sant\u00e9 \u00e9ligibles. Un HRA est la promesse de votre employeur de payer. Dans la vid\u00e9o ci-dessus, vous d\u00e9couvrirez vos d\u00e9penses \u00e9ligibles, l&#8217;allocation annuelle et qui aide \u00e0 g\u00e9rer vos fonds HRA.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-8bcfff135c5b732054ebfba517c336c6 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">R\u00c8GLES CL\u00c9S (2026) :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li><strong>Qui peut s&#8217;inscrire :<\/strong>Employ\u00e9s \u00e9ligibles et inscrits dans le plan de sant\u00e9 parrain\u00e9 par votre entreprise<\/li>\n\n\n\n<li><strong>Qui finance votre HRA :<\/strong>100% financ\u00e9 par l&#8217;employeur<\/li>\n\n\n\n<li><strong>Contribution annuelle de l&#8217;employeur :<\/strong>D\u00e9termin\u00e9e par votre employeur (pas de limite maximale de l&#8217;IRS)<\/li>\n\n\n\n<li><strong>Avantage fiscal :<\/strong>Les remboursements ou paiements ne sont pas imposables lorsqu&#8217;ils sont utilis\u00e9s pour des d\u00e9penses m\u00e9dicales \u00e9ligibles<\/li>\n\n\n\n<li><strong>Report :<\/strong>Les r\u00e8gles de report sont d\u00e9termin\u00e9es par la conception du plan de votre employeur<\/li>\n\n\n\n<li><strong>P\u00e9riode de fin :<\/strong>Votre plan peut inclure une p\u00e9riode de fin, vous donnant plus de temps apr\u00e8s la fin de l&#8217;ann\u00e9e de plan pour soumettre des r\u00e9clamations pour des d\u00e9penses engag\u00e9es pendant cette ann\u00e9e de plan.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Le partage des co\u00fbts de sant\u00e9, m\u00eame avec une assurance, peut parfois sembler lourd. Avoir un HRA financ\u00e9 par l&#8217;entreprise aide \u00e0 compenser les d\u00e9penses de poche tout au long de l&#8217;ann\u00e9e et ajoute une v\u00e9ritable valeur financi\u00e8re et une tranquillit\u00e9 d&#8217;esprit \u00e0 votre package d&#8217;avantages.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-hsa\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-hsa has-global-padding is-layout-constrained wp-container-core-group-is-layout-345faa6b wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-6b1a246e04b3877925209f77e9893626 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Compte d&#8217;\u00e9pargne sant\u00e9 (HSA) \u2013 Parrain\u00e9 par l&#8217;employeur<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un moyen puissant d&#8217;\u00e9pargner pour les soins de sant\u00e9 aujourd&#8217;hui et \u00e0 l&#8217;avenir\u2014avec l&#8217;aide de votre employeur.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n[oeme_benefithub_vimeo_embed_hsa]\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-49aaae91ca500f3c83d6762ad2af0285 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CE QUE C&#8217;EST :<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un compte d&#8217;\u00e9pargne sant\u00e9 (HSA) est un compte d&#8217;\u00e9pargne personnel, avantageux sur le plan fiscal, utilis\u00e9 pour payer des d\u00e9penses de sant\u00e9 \u00e9ligibles. Il est associ\u00e9 \u00e0 un Plan de Sant\u00e9 \u00e0 Haute Franchise (HDHP). Avec un HSA parrain\u00e9 par l&#8217;employeur, votre entreprise contribue \u00e0 votre compte. Les fonds dans votre HSA vous appartiennent toujours et restent avec vous tout au long de votre carri\u00e8re et jusqu&#8217;\u00e0 la retraite.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-ce7c97de0cbc853227f369ac7467876d wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">LIMITES DE L&#8217;IRS 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Individuel :<strong>$4,400<\/strong><\/li>\n\n\n\n<li>Famille :<strong>$8,750<\/strong><\/li>\n\n\n\n<li>Rattrapage (\u00c2ge 55+) :<strong>$1,000<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-1f7b01e1f8306cb03c0b4d8bca2ce3f7 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QUELQUES R\u00c8GLES SUR L&#8217;\u00c9LIGIBILIT\u00c9 :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Vous devez \u00eatre inscrit dans un Plan de Sant\u00e9 \u00e0 Haute Franchise (HDHP) \u00e9ligible pour HSA<\/li>\n\n\n\n<li>Vous ne pouvez pas \u00eatre couvert par un autre plan m\u00e9dical non HSA, y compris Medicare, Medicaid ou CHIP<\/li>\n\n\n\n<li>Vous ne pouvez pas participer si vous \u00eates revendiqu\u00e9 comme personne \u00e0 charge sur la d\u00e9claration fiscale de quelqu&#8217;un d&#8217;autre<\/li>\n\n\n\n<li>Votre HSA est d\u00e9tenu individuellement par vous<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-c6bbf2b983dc8fa9ae437bbef344b010 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">AVANTAGES FISCAUX :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Les contributions de l&#8217;employeur ne sont pas imposables pour vous<\/li>\n\n\n\n<li>Toute contribution que vous faites r\u00e9duit votre revenu imposable<\/li>\n\n\n\n<li>Cro\u00eet sans imp\u00f4t<\/li>\n\n\n\n<li>Peut \u00eatre investi pour une croissance \u00e0 long terme<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-d8841efbde7691b6f5a350360506f7a4 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CONTRIBUTIONS :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Les fonds sont disponibles d\u00e8s qu&#8217;ils sont d\u00e9pos\u00e9s<\/li>\n\n\n\n<li>Vous pouvez ajuster le montant de votre contribution sur une base mensuelle pour refl\u00e9ter les changements de vie tels que des besoins m\u00e9dicaux inattendus, des changements familiaux ou des changements dans vos priorit\u00e9s financi\u00e8res<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-5774b16e4dd5c949081e5d631b8bb408 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">ACHATS :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Payez directement avec votre carte de d\u00e9bit HSA<\/li>\n\n\n\n<li>Ou payez de votre poche et soumettez une demande de remboursement<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-cccfd5e79a4f74a11b901b701cf04047 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">FIN D&#8217;ANN\u00c9E &amp; UTILISATION FUTURE :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Les fonds se reportent automatiquement \u00e0 la fin de chaque ann\u00e9e de plan<\/li>\n\n\n\n<li>Votre HSA vous accompagne \u00e0 chaque \u00e9tape de la vie<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-995f00367642ce955d08d6eeca6abb2b wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">FAIRE CRO\u00ceTRE VOTRE HSA POUR LE LONG TERME :<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">\u00c0 mesure que votre solde augmente, vous pouvez investir dans des comptes g\u00e9n\u00e9rant des int\u00e9r\u00eats et des fonds d&#8217;investissement. Les dollars de HSA peuvent \u00eatre utilis\u00e9s strat\u00e9giquement pour :<\/p>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>D\u00e9penses m\u00e9dicales \u00e0 la retraite<\/li>\n\n\n\n<li>Primes d&#8217;assurance soins de longue dur\u00e9e (LTC)<\/li>\n\n\n\n<li>Besoins futurs en mati\u00e8re de sant\u00e9<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Vous pouvez retirer des fonds pour des d\u00e9penses non \u00e9ligibles, mais des imp\u00f4ts et des p\u00e9nalit\u00e9s \u00e9ventuelles peuvent s&#8217;appliquer. Consultez votre conseiller financier ou fiscal.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-c20447bfab44daf439fff905b76d9017 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">DIRECTIVES DE L&#8217;IRS :<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Pour des directives compl\u00e8tes de l&#8217;IRS sur votre HSA, y compris l&#8217;\u00e9ligibilit\u00e9, les contributions, les r\u00e8gles fiscales et une liste compl\u00e8te des d\u00e9penses \u00e9ligibles :<a href=\"https:\/\/www.irs.gov\/publications\/p969\">https:\/\/www.irs.gov\/publications\/p969<\/a><\/p>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\"><em>Conseil : Utilisez le menu de navigation sur le c\u00f4t\u00e9 gauche de la page pour sauter \u00e0 des sujets sp\u00e9cifiques et \u00e0 des cat\u00e9gories de d\u00e9penses \u00e9ligibles.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Les contributions de l&#8217;employeur acc\u00e9l\u00e8rent l&#8217;\u00e9pargne, r\u00e9duisent les co\u00fbts de sant\u00e9 d&#8217;aujourd&#8217;hui et aident \u00e0 construire une protection sans imp\u00f4t pour l&#8217;avenir.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-hsa-employee-funded\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-hsa-employee-funded has-global-padding is-layout-constrained wp-container-core-group-is-layout-345faa6b wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-64848081c6d6f88d232d9c5755454552 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Compte d&#8217;\u00e9pargne sant\u00e9 (HSA) \u2013 Financ\u00e9 par l&#8217;employ\u00e9<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Votre compte d&#8217;\u00e9pargne sant\u00e9 personnel\u2014construit par vous, d\u00e9tenu par vous, et con\u00e7u pour vous suivre \u00e0 chaque \u00e9tape de la vie.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/@mux\/mux-player\"><\/script>\n<mux-player\n  playback-id=\"[oeme_benefithub_tax_benefit_hsa_emod_id]\"\nposter=\"[oeme_benefithub_tax_benefit_hsa_poster]\"\n  metadata-viewer-user-id=\"Placeholder (optional)\"\n><\/mux-player>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-49aaae91ca500f3c83d6762ad2af0285 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CE QUE C&#8217;EST :<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un HSA financ\u00e9 par l&#8217;employ\u00e9 vous permet de contribuer des dollars de salaire avant imp\u00f4ts dans votre propre compte d&#8217;\u00e9pargne sant\u00e9 personnel. Le compte est associ\u00e9 \u00e0 un HDHP et est enti\u00e8rement d\u00e9tenu par vous, restant avec vous o\u00f9 que la vie et votre carri\u00e8re vous m\u00e8nent.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-ce7c97de0cbc853227f369ac7467876d wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">LIMITES DE L&#8217;IRS 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Individuel :<strong>$4,400<\/strong><\/li>\n\n\n\n<li>Famille :<strong>$8,750<\/strong><\/li>\n\n\n\n<li>Rattrapage (\u00c2ge 55+) :<strong>$1,000<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-1f7b01e1f8306cb03c0b4d8bca2ce3f7 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QUELQUES R\u00c8GLES SUR L&#8217;\u00c9LIGIBILIT\u00c9 :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Vous devez \u00eatre inscrit dans un Plan de Sant\u00e9 \u00e0 Haute Franchise (HDHP) \u00e9ligible pour HSA<\/li>\n\n\n\n<li>Vous ne pouvez pas \u00eatre couvert par un autre plan m\u00e9dical non HSA, y compris Medicare, Medicaid ou CHIP<\/li>\n\n\n\n<li>Vous ne pouvez pas participer si vous \u00eates revendiqu\u00e9 comme personne \u00e0 charge sur la d\u00e9claration fiscale de quelqu&#8217;un d&#8217;autre<\/li>\n\n\n\n<li>Votre HSA est d\u00e9tenu individuellement par vous<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-c6bbf2b983dc8fa9ae437bbef344b010 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">AVANTAGES FISCAUX :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Vos contributions r\u00e9duisent votre revenu imposable<\/li>\n\n\n\n<li>Cro\u00eet sans imp\u00f4t<\/li>\n\n\n\n<li>Peut \u00eatre investi pour une croissance \u00e0 long terme<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-d8841efbde7691b6f5a350360506f7a4 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CONTRIBUTIONS :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Les fonds sont disponibles d\u00e8s qu&#8217;ils sont d\u00e9pos\u00e9s<\/li>\n\n\n\n<li>Vous pouvez ajuster le montant de votre contribution sur une base mensuelle pour refl\u00e9ter les changements de vie tels que des besoins m\u00e9dicaux inattendus, des changements familiaux ou des changements dans vos priorit\u00e9s financi\u00e8res<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-cccfd5e79a4f74a11b901b701cf04047 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">FIN D&#8217;ANN\u00c9E &amp; UTILISATION FUTURE :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Les fonds se reportent automatiquement<\/li>\n\n\n\n<li>Votre HSA est votre compte d&#8217;\u00e9pargne sant\u00e9 personnel pour la vie<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-c20447bfab44daf439fff905b76d9017 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">DIRECTIVES DE L&#8217;IRS :<\/h3>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\"><a href=\"https:\/\/www.irs.gov\/publications\/p969\">https:\/\/www.irs.gov\/publications\/p969<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un HSA financ\u00e9 par l&#8217;employ\u00e9 vous donne un contr\u00f4le total de vos \u00e9conomies de sant\u00e9 tout en construisant une protection non imposable pour l&#8217;avenir.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-fsa\" class=\"wp-block-group oeme-tax-free-account-section has-global-padding is-layout-constrained wp-container-core-group-is-layout-345faa6b wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-91d2d9fb58855b8ba3818fc7714f9eb4 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Compte de D\u00e9penses Flexibles (FSA)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un moyen simple d&#8217;\u00e9conomiser sur les d\u00e9penses de sant\u00e9 en utilisant des dollars avant imp\u00f4t.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<div style=\"padding:56.25% 0 0 0;position:relative;\"><iframe src=\"https:\/\/player.vimeo.com\/video\/1190623613?h=c14922b916&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;\" title=\"Employee Navigator_20260113_100052_Final_English_Video_2025\"><\/iframe><\/div><script src=\"https:\/\/player.vimeo.com\/api\/player.js\"><\/script>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-49aaae91ca500f3c83d6762ad2af0285 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CE QUE C&#8217;EST :<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un Compte de D\u00e9penses Flexibles (FSA) vous permet de mettre de c\u00f4t\u00e9 des dollars avant imp\u00f4t de votre salaire pour payer des d\u00e9penses m\u00e9dicales admissibles tout au long de l&#8217;ann\u00e9e.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-ce7c97de0cbc853227f369ac7467876d wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">LIMITES DE L&#8217;IRS 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Maximum Annuel :<strong>$3,400<\/strong><\/li>\n\n\n\n<li>Transfert : Jusqu&#8217;\u00e0<strong>$680<\/strong>(si autoris\u00e9 par le plan de votre employeur)<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-1f7b01e1f8306cb03c0b4d8bca2ce3f7 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QUELQUES R\u00c8GLES SUR L&#8217;\u00c9LIGIBILIT\u00c9 :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Vous devez \u00eatre \u00e9ligible et inscrit au FSA de sant\u00e9 de votre employeur<\/li>\n\n\n\n<li>Vous n&#8217;avez pas besoin d&#8217;\u00eatre inscrit \u00e0 un Plan de Sant\u00e9 \u00e0 Haute D\u00e9ductibilit\u00e9 (HDHP)<\/li>\n\n\n\n<li>Si vous vous inscrivez \u00e0 un FSA de sant\u00e9, vous ne pouvez g\u00e9n\u00e9ralement pas contribuer \u00e0 un Compte d&#8217;\u00c9pargne Sant\u00e9 (HSA)<\/li>\n\n\n\n<li>Votre FSA de sant\u00e9 est sponsoris\u00e9 par votre employeur et n&#8217;est pas d\u00e9tenu individuellement<\/li>\n\n\n\n<li>Les choix d&#8217;inscription doivent g\u00e9n\u00e9ralement \u00eatre faits pendant la p\u00e9riode d&#8217;inscription ouverte ou apr\u00e8s un \u00e9v\u00e9nement de vie qualifiant<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-85c9960c4423d4342322e6e62a41f3a9 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">ANN\u00c9E DU PLAN, TRANSFERT &amp; P\u00c9RIODE DE R\u00c9CLAMATION<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>La plupart des FSA suivent une structure \u00ab<strong>utiliser ou perdre<\/strong>\u00bb, il est donc judicieux de planifier votre choix avec soin<\/li>\n\n\n\n<li>Pour vous donner plus de flexibilit\u00e9, vous pourrez peut-\u00eatre transf\u00e9rer une partie des fonds non utilis\u00e9s dans l&#8217;ann\u00e9e suivante, selon la conception du plan<\/li>\n\n\n\n<li>Votre plan peut \u00e9galement inclure une&nbsp;<strong>p\u00e9riode de r\u00e9clamation<\/strong>, ce qui vous permet un temps suppl\u00e9mentaire apr\u00e8s la fin de l&#8217;ann\u00e9e du plan pour soumettre des demandes de remboursement pour les d\u00e9penses engag\u00e9es pendant l&#8217;ann\u00e9e pr\u00e9c\u00e9dente.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-c20447bfab44daf439fff905b76d9017 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">DIRECTIVES DE L&#8217;IRS :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-default\">\n<li>Pour une liste compl\u00e8te des&nbsp;<strong>d\u00e9penses m\u00e9dicales, dentaires et ophtalmologiques admissibles<\/strong>, voir&nbsp;<strong>Publication 502 de l&#8217;IRS<\/strong>:<a href=\"https:\/\/www.irs.gov\/publications\/p502\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p502<\/a><\/li>\n\n\n\n<li>Pour plus d&#8217;informations sur&nbsp;<strong>les FSA, les limites de contribution et les r\u00e8gles fiscales<\/strong>, consultez&nbsp;<strong>Publication 969 de l&#8217;IRS<\/strong>:<a href=\"https:\/\/www.irs.gov\/publications\/p969\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p969<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un FSA facilite la budg\u00e9tisation des d\u00e9penses de sant\u00e9 pr\u00e9vues tout en r\u00e9duisant votre revenu imposable.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-dca\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-dca has-global-padding is-layout-constrained wp-container-core-group-is-layout-71d9e253 wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;margin-bottom:var(--wp--preset--spacing--40);padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-c22c5880ee45f03eb54f4c474f35db34 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Compte de Soins D\u00e9pendants (FSA de Soins D\u00e9pendants)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Prendre soin de vos proches a un co\u00fbt \u2014 vous pouvez utiliser des dollars avant imp\u00f4t pour aider \u00e0 all\u00e9ger la d\u00e9pense.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n[oeme_benefithub_vimeo_embed_dependent_care_account_(dca)_en_standalone]\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-49aaae91ca500f3c83d6762ad2af0285 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CE QUE C&#8217;EST :<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un Compte de Soins D\u00e9pendants vous permet d&#8217;utiliser des dollars de paie avant imp\u00f4t pour aider \u00e0 payer des d\u00e9penses de soins d\u00e9pendants admissibles pendant que vous travaillez.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-ce7c97de0cbc853227f369ac7467876d wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">LIMITES DE L&#8217;IRS 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Maximum de M\u00e9nage :<strong>$7,500<\/strong><\/li>\n\n\n\n<li>Mari\u00e9s D\u00e9clarant S\u00e9par\u00e9ment :<strong>$3,750<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-b0f3b0c062c5d48ad5b20a7aa2b43853 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">D\u00c9PENDANTS ADMISSIBLES :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Enfants de moins de 13 ans<\/li>\n\n\n\n<li>Un conjoint ou un d\u00e9pendant adulte incapable de s&#8217;occuper de lui-m\u00eame<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-c20447bfab44daf439fff905b76d9017 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">DIRECTIVES DE L&#8217;IRS :<\/h3>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Pour les directives compl\u00e8tes de l&#8217;IRS sur les FSA de Soins D\u00e9pendants, y compris les d\u00e9penses admissibles et les r\u00e8gles fiscales, consulter la Publication 503 de l&#8217;IRS :&nbsp;<a href=\"https:\/\/www.irs.gov\/publications\/p503\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p503<\/a>&nbsp;<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un Compte de Soins D\u00e9pendants aide les familles travaillant \u00e0 g\u00e9rer le co\u00fbt des soins tout en conservant une plus grande partie de chaque ch\u00e8que de paie.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-lpfsa\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-lpfsa has-global-padding is-layout-constrained wp-container-core-group-is-layout-71d9e253 wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;margin-bottom:var(--wp--preset--spacing--40);padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-dc29da2642e54201e93a34159c8d5c0d wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Compte de D\u00e9penses Flexibles \u00e0 Usage Limit\u00e9 (LPFSA)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un moyen intelligent d&#8217;\u00e9conomiser sur les d\u00e9penses dentaires et ophtalmologiques admissibles en utilisant des dollars avant imp\u00f4t\u2014tout en restant compatible avec l&#8217;HSA.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/@mux\/mux-player\"><\/script>\n<mux-player\n  playback-id=\"[oeme_benefithub_tax_benefit_lpfsa_emod_id]\"\nposter=\"[oeme_benefithub_tax_benefit_lpfsa_poster]\"\n  metadata-viewer-user-id=\"Placeholder (optional)\"\n><\/mux-player>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-49aaae91ca500f3c83d6762ad2af0285 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CE QUE C&#8217;EST :<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un Compte de D\u00e9penses Flexibles \u00e0 Usage Limit\u00e9 (LPFSA) vous permet de mettre de c\u00f4t\u00e9 des dollars avant imp\u00f4t de votre salaire pour payer des d\u00e9penses dentaires et ophtalmologiques admissibles. Il est con\u00e7u pour fonctionner en parall\u00e8le avec un Compte d&#8217;\u00c9pargne Sant\u00e9 (HSA), vous aidant \u00e0 \u00e9conomiser vos fonds HSA pour des besoins de sant\u00e9 futurs.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-03fabd59b18cda4dd630ce8dbbd9d1f7 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QUELLES D\u00c9PENSES SONT ADMISSIBLES<\/h3>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Les fonds du LPFSA peuvent \u00eatre utilis\u00e9s pour des d\u00e9penses dentaires et ophtalmologiques qualifi\u00e9es, y compris mais sans s&#8217;y limiter :<\/p>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Examens dentaires, nettoyages, plombages et orthodontie<\/li>\n\n\n\n<li>Examens de la vue, lunettes, lentilles de contact et LASIK<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-ce7c97de0cbc853227f369ac7467876d wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">LIMITES DE L&#8217;IRS 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Maximum de Contribution Annuel :<strong>$3,400<\/strong><\/li>\n\n\n\n<li>Transfert (si autoris\u00e9 par l&#8217;employeur) :<strong>Jusqu&#8217;\u00e0 $680<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-85c9960c4423d4342322e6e62a41f3a9 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">ANN\u00c9E DU PLAN, TRANSFERT &amp; P\u00c9RIODE DE R\u00c9CLAMATION<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>La plupart des FSA suivent une structure \u00ab utiliser ou perdre \u00bb, donc planifiez votre choix avec soin.<\/li>\n\n\n\n<li>Selon la conception du plan de votre employeur, vous pouvez transf\u00e9rer une partie des fonds non utilis\u00e9s dans l&#8217;ann\u00e9e suivante.<\/li>\n\n\n\n<li>Votre plan peut inclure une p\u00e9riode de r\u00e9clamation, vous permettant un temps suppl\u00e9mentaire apr\u00e8s la fin de l&#8217;ann\u00e9e du plan pour soumettre des demandes de remboursement pour les d\u00e9penses engag\u00e9es durant cette ann\u00e9e.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-7b58cd48b4ae54ba576fb103798265f8 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QUELQUES R\u00c8GLES SUR L&#8217;\u00c9LIGIBILIT\u00c9<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Vous devez \u00eatre inscrit au LPFSA de votre employeur<\/li>\n\n\n\n<li>Vous n&#8217;avez pas besoin d&#8217;\u00eatre inscrit \u00e0 un Plan de Sant\u00e9 \u00e0 Haute D\u00e9ductibilit\u00e9 (HDHP)<\/li>\n\n\n\n<li>Vous ne pouvez g\u00e9n\u00e9ralement pas contribuer \u00e0 un HSA si vous avez \u00e9galement un FSA \u00e0 usage g\u00e9n\u00e9ral<\/li>\n\n\n\n<li>Si votre employeur fournit un Arrangement de Remboursement de Sant\u00e9 (HRA) pour les d\u00e9penses m\u00e9dicales g\u00e9n\u00e9rales, v\u00e9rifiez aupr\u00e8s des RH, car cela peut affecter l&#8217;\u00e9ligibilit\u00e9<\/li>\n\n\n\n<li>Les choix de LPFSA sont effectu\u00e9s pendant la p\u00e9riode d&#8217;inscription ouverte ou apr\u00e8s un \u00e9v\u00e9nement de vie qualifiant<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-9d4b077da913ff18cd257108b7221a26 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">COMMENT CELA FONCTIONNE<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Les contributions sont d\u00e9duites de votre salaire avant imp\u00f4t, r\u00e9duisant votre revenu imposable<\/li>\n\n\n\n<li>Les fonds sont disponibles \u00e0 l&#8217;utilisation tout au long de l&#8217;ann\u00e9e du plan<\/li>\n\n\n\n<li>Vous pouvez payer directement avec votre carte de d\u00e9bit LPFSA ou payer de votre poche et soumettre une demande de remboursement<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-ed6e6f15e2d2234c617f4dfff3f6c6de wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">AVANTAGE FISCAL<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Les contributions sont exempt\u00e9es d&#8217;imp\u00f4ts<\/li>\n\n\n\n<li>Les d\u00e9penses dentaires et ophtalmologiques admissibles sont pay\u00e9es sans imp\u00f4ts<\/li>\n\n\n\n<li>Vous aide \u00e0 \u00e9conomiser de l&#8217;argent sur des co\u00fbts de sant\u00e9 pr\u00e9visibles tout en gardant vos fonds HSA intacts<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-9b165fbc37e5ffc42ab7ead69621ea61 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">POURQUOI CHOISIR UN LPFSA<\/h3>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Un FSA \u00e0 Usage Limit\u00e9 facilite la budg\u00e9tisation des d\u00e9penses dentaires et ophtalmologiques tout en gardant votre HSA disponible pour des \u00e9conomies de sant\u00e9 \u00e0 long terme<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-c20447bfab44daf439fff905b76d9017 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">DIRECTIVES DE L&#8217;IRS :<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Pour une liste compl\u00e8te des d\u00e9penses dentaires et ophtalmologiques admissibles, voir la Publication 502 de l&#8217;IRS :&nbsp;<a href=\"https:\/\/www.irs.gov\/publications\/p502\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p502<\/a><\/li>\n\n\n\n<li>Pour des informations g\u00e9n\u00e9rales sur les FSA, les limites de contribution et les r\u00e8gles fiscales, consultez la Publication 969 de l&#8217;IRS :&nbsp;<a href=\"https:\/\/www.irs.gov\/publications\/p969\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p969<\/a>&nbsp;<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-parking\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-parking has-global-padding is-layout-constrained wp-container-core-group-is-layout-345faa6b wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-830e32f89d17a3ebb6da53ee4a22a30a wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Parking &amp; Transport (Avantages Commutateurs)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Les trajets ont un co\u00fbt\u2014pourquoi ne pas utiliser des dollars avant imp\u00f4ts pour les rendre plus abordables ?<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/@mux\/mux-player\"><\/script>\n<mux-player\n  playback-id=\"[oeme_benefithub_tax_benefit_parking_emod_id]\"\nposter=\"[oeme_benefithub_tax_benefit_parking_poster]\"\n  metadata-viewer-user-id=\"Placeholder (optional)\"\n><\/mux-player>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-49aaae91ca500f3c83d6762ad2af0285 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CE QUE C&#8217;EST :<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Les avantages de stationnement et de transport permettent d&#8217;utiliser des d\u00e9ductions de paie avant imp\u00f4ts pour payer des frais de stationnement, de transport public et de covoiturage.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-543429cc36e9d6e38f24425f3e2a11a2 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">PLAFONDS IRS 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Stationnement :<strong>340 $ par mois<\/strong><\/li>\n\n\n\n<li>Transport :<strong>340 $ par mois<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-c20447bfab44daf439fff905b76d9017 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">DIRECTIVES DE L&#8217;IRS :<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\"><a href=\"https:\/\/www.irs.gov\/publications\/p15b\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p15b<\/a><\/p>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Les avantages de transport avant imp\u00f4ts aident \u00e0 r\u00e9duire les co\u00fbts de transport quotidiens et \u00e0 \u00e9tirer davantage votre bulletin de salaire.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Options de compte Arrangement de remboursement de sant\u00e9 (HRA) Soutien financ\u00e9 par l&#8217;employeur pour vos d\u00e9penses de sant\u00e9. CE QUE C&#8217;EST : Un arrangement de remboursement de sant\u00e9 (HRA) est un avantage financ\u00e9 par l&#8217;employeur qui vous rembourse les d\u00e9penses de sant\u00e9 \u00e9ligibles. Un HRA est la promesse de votre employeur de payer. Dans la [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":89,"parent":32,"menu_order":17,"comment_status":"closed","ping_status":"closed","template":"page-no-title","meta":{"footnotes":""},"class_list":["post-4","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/pages\/4","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/comments?post=4"}],"version-history":[{"count":6,"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/pages\/4\/revisions"}],"predecessor-version":[{"id":308,"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/pages\/4\/revisions\/308"}],"up":[{"embeddable":true,"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/pages\/32"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/media\/89"}],"wp:attachment":[{"href":"https:\/\/myoeme.io\/anglehealth-fr\/wp-json\/wp\/v2\/media?parent=4"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}