DCA Election FAQ

1. What is the maximum annual election for a DCA?

For the 2026 calendar year, the maximum statutory contribution limit for a Dependent Care Account is $5,000 for single individuals or married couples filing jointly (and $2,500 for married individuals filing separately).

⚠️ Compliance Note: Please note that the standard IRS limit remains $5,000. Be sure to verify your specific employer's plan design, as employers may choose to cap elections below the IRS maximum, but cannot exceed the federal statutory limit.

2. Can I increase my annual election mid-year?

Generally, DCA elections are irrevocable for the plan year. However, you may modify your election mid-year if you experience a qualifying Change in Cost or Coverage (such as a daycare raising its rates, or switching to a new childcare provider), provided your employer’s plan document permits these mid-year changes.

For a detailed breakdown of eligible events, please refer to our resource: DCA Election Change.

3. If my spouse and I both have access to a DCA through our respective employers, can we both elect the maximum amount?

No. The IRS contribution limit applies per household, not per individual.

If both you and your spouse contribute to separate employer-sponsored DCAs, your combined total contributions cannot exceed the $5,000 annual household maximum. You may split the contribution across both accounts (e.g., $2,500 each), but the aggregate sum must not cross the federal threshold.

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