From October 1 until midnight on October 31, 2025, you can enroll or change your Medical or Health Flexible Spending Account (FSA) benefit selections for the 2026 benefit year. Members must enroll in the Health FSA every year — FSA enrollment is not automatic each year, and interested members should act soon so they do not miss out on enrollment for the 2026 Plan Year.
Your Track to Health (YTTH) is your online enrollment site — it provides the ability to view your personal information, update dependent information, view enrollment materials, or opt out of coverage. Go to https://ytth.com to learn more. If you need further assistance, please call Railroad Enrollment Services at 1-800-753-2692 (Monday-Friday, 8:00 a.m.-8:00 p.m. EDT).
A negotiated benefit obtained in the 2012 National Agreement, the Health FSA lets you put pre-tax dollars deducted from your paycheck into a special account to help pay for eligible medical, pharmacy, dental and vision expenses. When you enroll, you choose your FSA contribution amount. You can contribute as little as $10 per month ($120 annually), or as much as $3,300 annually. If the IRS raises the maximum in 2026, you will be able to elect up to that amount.
Administered by United Healthcare, the Health FSA provides you with a special Health Care Spending Card to easily pay for eligible FSA expenses. The Card is connected to your flexible spending account, so there is no need to write checks or submit claim forms.
To help with planning, the FSA Calculator Tool on the Your Track To Health website allows you to input annual estimated out-of-pocket costs for medical services (such as deductibles, co-payments, eye exams, dental exams, etc.), then shows you how much money you will save on taxes by using the FSA. The Your Track to Health website also provides a list of common eligible expenses, Frequently Asked Questions (FAQ), FSA tips and best practices, and a brief description of how the plan works.
Except as noted at the end of this paragraph, locomotive engineers and Tex-Mex train service employees covered by the Health & Welfare portion of the National Agreement, dated January 5, 2012, are eligible to participate in the FSA Plan. The national FSA is distinct and separate from the on-property BNSF FSA Plan and while that Plan also requires annual registration, BNSF engineers are not required to participate in the FSA open enrollment described in this article. Also, BLET members subject to the September 16, 2011 UTU National Agreement are currently eligible to participate in the Health FSA program provided for in that Agreement.
Open enrollment ends at midnight on October 31, 2025. For more details about the Health FSA, please call the FSA Customer Care Center at (888) 298-9754 or visit the Your Track To Health website to enroll. A PDF flyer about the 2026 Plan Year is available here.
