{"id":5,"date":"2026-04-30T11:02:01","date_gmt":"2026-04-30T11:02:01","guid":{"rendered":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/?page_id=5"},"modified":"2026-04-30T12:45:05","modified_gmt":"2026-04-30T12:45:05","slug":"tax-free-spending-accounts","status":"publish","type":"page","link":"https:\/\/myoeme.io\/rafteryconstructionco-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;\u00c9conomie de Sant\u00e9 (HSA) \u2013 Sponsoris\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;\u00c9conomie de 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 Flexibles (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 D\u00e9pendants (FSA de Soins D\u00e9pendants)<\/a><\/li>\n\n\n\n<li class=\"oeme-link-parking oeme-hide-parking\"><a href=\"#section-parking\">Stationnement &amp; Transport (Avantages Commutateurs)<\/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-474bd96db952d73ad5b8fe698ef7a16f 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 frais 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)\"><div style=\"padding:56.25% 0 0 0;position:relative;\"><iframe src=\"https:\/\/player.vimeo.com\/video\/1188074877?h=d8a22f646c&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><\/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 frais de sant\u00e9 admissibles. Un HRA est la promesse de votre employeur de payer. Dans la vid\u00e9o ci-dessus, vous apprendrez sur vos d\u00e9penses admissibles, 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 \u00e0 votre plan de sant\u00e9 sponsoris\u00e9 par l&#8217;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\u00e9 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 frais m\u00e9dicaux admissibles<\/li>\n\n\n\n<li><strong>Transfert :<\/strong>Les r\u00e8gles de transfert sont d\u00e9termin\u00e9es par la conception du plan de votre employeur<\/li>\n\n\n\n<li><strong>Utilisation de Retraite :<\/strong>Votre plan peut inclure une p\u00e9riode d&#8217;utilisation de retraite, vous donnant plus de temps apr\u00e8s la fin de l&#8217;ann\u00e9e de plan pour soumettre des demandes de remboursement pour les 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 r\u00e9elle valeur financi\u00e8re et 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-employer-sponsored 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-89b8fa6940c65e81cc351128d5b85667 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Compte d&#8217;\u00c9conomie de Sant\u00e9 (HSA) \u2013 Sponsoris\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\">Une fa\u00e7on puissante d&#8217;\u00e9conomiser 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)\">[oeme_benefithub_vimeo_embed_hsa]<\/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;\u00c9conomie de Sant\u00e9 (HSA) est un compte d&#8217;\u00e9pargne personnel \u00e0 avantage fiscal utilis\u00e9 pour payer les frais de sant\u00e9 admissibles. Il est associ\u00e9 \u00e0 un Plan de Sant\u00e9 \u00e0 Haute Franchise (HDHP). Avec un HSA sponsoris\u00e9 par l&#8217;employeur, votre entreprise contribue \u00e0 votre compte. Les fonds de 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 \u00e0 un Plan de Sant\u00e9 \u00e0 Haute Franchise (HDHP) \u00e9ligible au 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 r\u00e9clam\u00e9 comme d\u00e9pendant sur la d\u00e9claration fiscale de quelqu&#8217;un d&#8217;autre<\/li>\n\n\n\n<li>Votre HSA est poss\u00e9d\u00e9 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 des changements de vie tels que des besoins m\u00e9dicaux impr\u00e9vus, 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 sont automatiquement transf\u00e9r\u00e9s \u00e0 la fin de chaque ann\u00e9e de plan<\/li>\n\n\n\n<li>Votre HSA vous accompagne \u00e0 chaque \u00e9tape de votre 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-3039007bc5df00a677e21789a6514f7a wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">FAIRE CRO\u00ceTRE VOTRE HSA \u00c0 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 et des fonds d&#8217;investissement g\u00e9n\u00e9rant des int\u00e9r\u00eats. Les dollars 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>Frais m\u00e9dicaux \u00e0 la retraite<\/li>\n\n\n\n<li>Primes d&#8217;assurance soins \u00e0 long terme (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 admissibles, mais des imp\u00f4ts et des p\u00e9nalit\u00e9s possibles 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 les 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 admissibles :<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 des cat\u00e9gories de d\u00e9penses admissibles.<\/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 les \u00e9conomies, r\u00e9duisent les co\u00fbts de sant\u00e9 d&#8217;aujourd&#8217;hui et aident \u00e0 construire une protection exon\u00e9r\u00e9e d&#8217;imp\u00f4ts 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-82afba45a7571dc98ad37d4b8c49a8ff wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Compte d&#8217;\u00c9conomie de 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, poss\u00e9d\u00e9 par vous, et con\u00e7u pour vous suivre \u00e0 chaque \u00e9tape de votre 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 paie avant imp\u00f4t 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 \u00e0 un Plan de Sant\u00e9 \u00e0 Haute Franchise (HDHP) \u00e9ligible au 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 r\u00e9clam\u00e9 comme d\u00e9pendant sur la d\u00e9claration fiscale de quelqu&#8217;un d&#8217;autre<\/li>\n\n\n\n<li>Votre HSA est poss\u00e9d\u00e9 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 des changements de vie tels que des besoins m\u00e9dicaux impr\u00e9vus, 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 sont automatiquement transf\u00e9r\u00e9s<\/li>\n\n\n\n<li>Votre HSA est votre compte d&#8217;\u00e9pargne sant\u00e9 personnel \u00e0 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 exon\u00e9r\u00e9e d&#8217;imp\u00f4ts 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\u00f4ts.<\/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)\"><div style=\"padding:56.25% 0 0 0;position:relative;\"><iframe src=\"https:\/\/player.vimeo.com\/video\/1188074904?h=3b285089f2&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><\/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\u00f4ts de votre salaire pour payer des d\u00e9penses m\u00e9dicales \u00e9ligibles 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 Franchise (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 parrain\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 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-92e45a4c69da68c1b60225fb030ac21e wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">ANN\u00c9E DE 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>utilisez-le ou perdez-le<\/strong>\u00bb, il est donc judicieux de planifier votre choix avec sagesse<\/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 vers l&#8217;ann\u00e9e de plan suivante, en fonction de 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 donne plus de temps apr\u00e8s la fin de l&#8217;ann\u00e9e de plan pour soumettre des demandes de remboursement pour les d\u00e9penses engag\u00e9es durant l&#8217;ann\u00e9e de plan 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 de vision \u00e9ligibles<\/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 les&nbsp;<strong>FSA, limites de contribution et 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 attendues 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-3dde54c56a6668b894c975b8232733e4 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Compte de Soins aux D\u00e9pendants (FSA de Soins aux 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\">S&#8217;occuper de vos proches a un co\u00fbt\u2014vous pouvez utiliser des dollars avant imp\u00f4ts pour aider \u00e0 all\u00e9ger cette 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)\">[oeme_benefithub_vimeo_embed_dependent_care_account_(dca)_en_standalone]<\/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 aux D\u00e9pendants vous permet d&#8217;utiliser des dollars de paie avant imp\u00f4ts pour aider \u00e0 payer des d\u00e9penses de soins aux d\u00e9pendants \u00e9ligibles 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 du M\u00e9nage :<strong>$7,500<\/strong><\/li>\n\n\n\n<li>Mari\u00e9 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-93b02b372a1c68c4c9597aee167cc93e wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">D\u00c9PENDANTS \u00c9LIGIBLES :<\/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 adulte d\u00e9pendant 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 aux D\u00e9pendants, y compris les d\u00e9penses \u00e9ligibles et les r\u00e8gles fiscales, voir 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 aux D\u00e9pendants aide les familles ouvri\u00e8res \u00e0 g\u00e9rer le co\u00fbt des soins tout en gardant plus 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 de vision \u00e9ligibles en utilisant des dollars avant imp\u00f4ts\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\u00f4ts de votre salaire pour payer des d\u00e9penses dentaires et de vision \u00e9ligibles. Il est con\u00e7u pour fonctionner en conjonction avec un Compte d&#8217;\u00c9pargne Sant\u00e9 (HSA), vous aidant \u00e0 conserver vos fonds HSA pour les 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-daa176b9a9bb90e9806838c0a79a0c9b wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QUELLES D\u00c9PENSES SONT \u00c9LIGIBLES<\/h3>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Les fonds LPFSA peuvent \u00eatre utilis\u00e9s pour des d\u00e9penses dentaires et de vision 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 des yeux, 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-92e45a4c69da68c1b60225fb030ac21e wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">ANN\u00c9E DE 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 \u00abutilisez-le ou perdez-le\u00bb, alors planifiez soigneusement votre choix.<\/li>\n\n\n\n<li>En fonction de la conception du plan de votre employeur, vous pouvez transf\u00e9rer une partie des fonds non utilis\u00e9s vers l&#8217;ann\u00e9e de plan suivante.<\/li>\n\n\n\n<li>Votre plan peut inclure une p\u00e9riode de r\u00e9clamation, vous donnant du temps suppl\u00e9mentaire apr\u00e8s la fin de l&#8217;ann\u00e9e de plan pour soumettre des demandes de remboursement pour les d\u00e9penses engag\u00e9es durant 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<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 Franchise (HDHP).<\/li>\n\n\n\n<li>Vous ne pouvez g\u00e9n\u00e9ralement pas contribuer \u00e0 un HSA si vous avez \u00e9galement un FSA de sant\u00e9 g\u00e9n\u00e9ral.<\/li>\n\n\n\n<li>Si votre employeur propose un Arrangement de Remboursement de Sant\u00e9 (HRA) pour des d\u00e9penses m\u00e9dicales g\u00e9n\u00e9rales, consultez les ressources humaines, car cela peut affecter l&#8217;\u00e9ligibilit\u00e9.<\/li>\n\n\n\n<li>Les \u00e9lections LPFSA sont faites durant l&#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-3a4cfd1c05410225147a1ca0e0791d5a wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">COMMENT \u00c7A 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 paie avant imp\u00f4ts, r\u00e9duisant ainsi votre revenu imposable.<\/li>\n\n\n\n<li>Les fonds sont disponibles pour utilisation tout au long de l&#8217;ann\u00e9e de 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 exon\u00e9r\u00e9es d&#8217;imp\u00f4t.<\/li>\n\n\n\n<li>Les d\u00e9penses dentaires et de vision \u00e9ligibles sont pay\u00e9es sans imp\u00f4ts.<\/li>\n\n\n\n<li>Vous aide \u00e0 \u00e9conomiser de l&#8217;argent sur les 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 de vision 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 de vision \u00e9ligibles, 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-3904e55a32234c9f44e4645134acb03d wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Stationnement &amp; Transport (Avantages Commutateur)<\/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\">Le trajet a un co\u00fbt &#8211; pourquoi ne pas utiliser des dollars avant imp\u00f4t pour le rendre plus abordable ?<\/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 vous permettent d&#8217;utiliser des d\u00e9ductions de salaire avant imp\u00f4t pour payer les 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-b355008249672163216f2334eb541ac7 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">LIMITES 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-65c6745dfaf1dad4c80906fc7bdc23af wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">DIRECTIVES 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\u00f4t aident \u00e0 r\u00e9duire les co\u00fbts de transport quotidiens et \u00e0 \u00e9tirer davantage votre 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 frais 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 frais de sant\u00e9 admissibles. Un HRA est la promesse de votre employeur de payer. Dans la [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":53,"parent":22,"menu_order":17,"comment_status":"closed","ping_status":"closed","template":"page-no-title","meta":{"footnotes":""},"class_list":["post-5","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages\/5","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/comments?post=5"}],"version-history":[{"count":4,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages\/5\/revisions"}],"predecessor-version":[{"id":170,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages\/5\/revisions\/170"}],"up":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages\/22"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/media\/53"}],"wp:attachment":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/media?parent=5"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}