Family-owned since 1982, based in Santee. CBIS sets up group health, dental, vision, life, disability and Section 125 plans for California employers, from the owner plus 1 employee to groups of about 250, with a named CBIS contact for each account.
Pre-tax savings for employees and employers
Health FSA Plans are special tax-free accounts that allow employees to use up to $3,400 in 2026 in pre-tax dollars to pay for out of pocket medical, dental and vision care expenses not covered by other insurance.
Health FSA plan document in PDF via email (ask us for pricing)
Optional Deluxe Binder Mailed via USPS
Optional Dependent Care FSA Module
What is a health flexible spending account (FSA)?
A Health Flexible Spending Account allows employees to use pre-tax dollars to pay for medical bills not covered by their insurance. The Health FSA plans can also be offered in conjunction with a POP and/or a Dependent Care FSA. The FSA is a budgeting tool that can help take care of out-of-pocket expenses such as dental and optical care, insurance deductibles, co-pays, and prescription drugs. Like a POP, an FSA can lower payroll taxes: contributions come out before taxes, so employee take-home pay can go up and the employer’s matching payroll taxes can go down.
Here’s how it works:
An employee decides how much of their salary should be set aside before taxes are calculated.
This amount is automatically deducted from their paycheck every pay period, just like any other payroll deduction, and is deposited into their Health FSA account.
The employees would pay their out-of-pocket expenses up-front, then submit a claim and documentation and a reimbursement is made from their own account.
Out-of-pocket expenses include:
Eyeglasses and contact lenses
Medical insurance deductibles
Prescriptions
Co-payments
Orthodontia
Chiropractic services
Dental treatments
X-ray and laboratory services
Over the counter items
The flexibility of an FSA plan can make it a good fit for many small and mid-sized businesses.
Carryover options include up to $680 in 2026 of unused funds to the next Plan Year, or choose the 2.5 month extension option into the next Plan Year to claim unused funds.
The Health FSA is covered by a separate plan document, available as a PDF by email or in a Deluxe Binder version that also includes the PDF. Ask our team for pricing, including pricing when combined with a Premium Only Plan or Dependent Care FSA plan.
Money an employee puts into a Health FSA isn’t subject to federal income tax or Social Security and Medicare (FICA) taxes. Employers don’t pay their matching FICA tax on those dollars. Actual savings depend on each employee’s contributions and tax situation. CBIS doesn’t give tax advice, so check with a tax professional.