Quick Answer: Generally no - you can't have a standard HSA and a general-purpose FSA at the same time. But there are important exceptions: you CAN pair an HSA with a Limited-Purpose FSA (dental/vision only) or a Dependent Care FSA.

If you have an HSA, you cannot also have a general-purpose Healthcare FSA. The IRS considers a general FSA to be "other health coverage" that disqualifies you from contributing to an HSA.

This applies even if it's your spouse's FSA - if your spouse has a general-purpose FSA that could cover your expenses, you may not be eligible to contribute to an HSA.

A Limited-Purpose FSA only covers dental and vision expenses. Because it doesn't cover general medical expenses, it doesn't conflict with HSA eligibility.

This combo lets you: - Use your HSA for medical expenses and wellness products - Use the LPFSA specifically for dental and vision costs - Maximize your pre-tax savings across both accounts

A Dependent Care FSA covers childcare expenses (daycare, after-school programs, etc.) - not medical expenses. Since it's an entirely different category, it's fully compatible with an HSA.

Some employers offer a "post-deductible" FSA that only kicks in after you meet your health plan deductible. Before the deductible is met, it functions like a Limited-Purpose FSA (dental/vision only).

Crates Health works with your HSA or your general-purpose FSA - whichever you have. If you have an LPFSA, note that it only covers dental and vision, so wellness products would need to be reimbursed through your HSA.

Confused about which accounts you can combine? Chat with us using the widget in the bottom-right corner or email us at [email protected]!