Quick answer: Yes, your HSA or FSA funds can be used for qualified medical expenses for your spouse and tax dependents.

If you have an HSA, you can use it to pay for qualified medical expenses for:

This applies even if your spouse or dependents aren't covered by your health plan. The HSA funds can reimburse their eligible expenses as long as the person is your spouse or tax dependent. There is no time limit on HSA reimbursements - expenses are reimbursable from the date of account establishment through any point in the future.

FSA rules are similar. You can use your FSA for qualified medical expenses for:

Keep in mind that FSA reimbursements must be submitted within your plan year. Check with your FSA admin about their specific deadlines.

The app can show For and a person's name on a letter that was already written for someone else, such as a spouse or dependent. It can also show Gift letter or General HSA letter when those apply.

Renew letter on that letter reissues it for the same person. Get letter issues a letter for the account holder.

With an HSA, only if they're still your tax dependent. With an FSA, usually yes: health FSAs can cover your child through the end of the year they turn 26, even if you no longer claim them on your taxes. Check with your FSA administrator that your plan includes it.

What if my spouse has their own FSA at work? Each person can use their own FSA for their own expenses. You can also use your FSA for your spouse's expenses, but be careful not to "double dip" - the same expense can't be reimbursed from both accounts.

Is there a limit on how many family members I can cover? The HSA and FSA rules above are the tax rules for who can be reimbursed.