- I am on an Individual HDHP. I maxed out my 2019 HSA.
- Spouse is on a PPO and contributed 2K to her FSA for 2019 (the standard one that can be used for medical expenses).
Her FSA does appear to allow expenses to be used for me if we choose. I did use about $500 of it, but we have the option of refunding that back to the FSA.
In our benefit meeting at work today, they alluded to something which made me research if this was allowed. I never thought about it until today because in my mind we are on different plans.
- In our scenario, is having an HSA and FSA not allowed?
- Does it make a different if I didn't use the FSA or not?
Assuming the answer is now allowed. What is the best course of action at this point. Can we pay the penalty on the FSA since that is the smaller amount.
Finally, I assume if what we did is not allowed, the smart thing to do would be for me to get the HSA and she to decline the FSA completely.
