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Can you have an HSA (HDHP) + Limited Purpose FSA + Dependent Care FSA?
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Topic: Can you have an HSA (HDHP) + Limited Purpose FSA + Dependent Care FSA? (Read 2153 times)
BayIslandSaver
5 O'Clock Shadow
Posts: 67
Age: 318
Location: NorCal
Can you have an HSA (HDHP) + Limited Purpose FSA + Dependent Care FSA?
«
on:
June 07, 2016, 11:13:12 AM »
I searched around the webs and could not find an answer.
This year the wife and I have 2 of the 3 (HSA and DC_FSA). We're looking at some significant dental expenses next year, so I'd like to know if having the LP_FSA would be possible too.
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SKL-HOU
Pencil Stache
Posts: 617
Location: Houston, TX
Re: Can you have an HSA (HDHP) + Limited Purpose FSA + Dependent Care FSA?
«
Reply #1 on:
June 07, 2016, 11:23:06 AM »
I am pretty sure you can. I have HSA and Dependent care FSA. But I could have signed up for the Limited Purpose FSA as well through my employer.
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Jtrey17
Stubble
Posts: 139
Re: Can you have an HSA (HDHP) + Limited Purpose FSA + Dependent Care FSA?
«
Reply #2 on:
June 07, 2016, 08:37:19 PM »
Yes you can. I enrolled for bennies today and all three were an option. The FSA doesn't roll year to year so be sure to only put in what you know you'll use.
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MDM
Senior Mustachian
Posts: 11495
Re: Can you have an HSA (HDHP) + Limited Purpose FSA + Dependent Care FSA?
«
Reply #3 on:
June 07, 2016, 09:49:19 PM »
The Dependent Care FSA is irrelevant to an HSA, so don't worry about that.
Exactly what could be reimbursed under the FSA is very relevant, so do ensure you understand that. See Publication 969, particularly
https://www.irs.gov/publications/p969/ar02.html#en_US_2015_publink1000204039
.
Note that it is not good enough for you to say "I'll use the FSA only for dental expenses." The FSA itself must be limited to those things allowed in Pub. 969.
Good luck!
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clarkm04
Stubble
Posts: 180
Re: Can you have an HSA (HDHP) + Limited Purpose FSA + Dependent Care FSA?
«
Reply #4 on:
June 07, 2016, 10:18:45 PM »
Yes.
My wife has a HDHP with HSA.
Limited FSA for vision and dental (has a $500 carryover)
Dependent Care for our son.
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BayIslandSaver
5 O'Clock Shadow
Posts: 67
Age: 318
Location: NorCal
Re: Can you have an HSA (HDHP) + Limited Purpose FSA + Dependent Care FSA?
«
Reply #5 on:
June 08, 2016, 04:20:35 PM »
Nice! Thank you all for the replies!
Got some dental work (implant) coming up and wanted to see if I should hold off on it until the next enrollment period.
Looks like I will wait. Already maxing out the DC_FSA for 2016 (daycare is expensive!).
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Can you have an HSA (HDHP) + Limited Purpose FSA + Dependent Care FSA?