For one part of the year, January through September, I did not have an FSA, and I paid for most of the year's childcare out of pocket ($3902). I would receive 20% of up to $3000, so $600. For the second part of the year, October through December, I have an FSA account, and will pay $1616 in childcare. I would save about $525 from using the FSA. From reading on this site and others it is clear that I cannot claim expenses paid for through an FSA account. What is unclear to me is whether I can use an FSA account for part of the year and STILL deduct childcare expenses that were NOT related to the FSA.
