Can both spouses contribute to FSA?
Asked by: Garland Welch | Last update: September 18, 2025Score: 4.8/5 (30 votes)
Can two spouses contribute to FSA?
If the employee's spouse has a plan through their employer, the spouse can also contribute up to $3,300 to that plan. In this situation, the couple could jointly contribute up to $6,600 for their household.
Can both spouses have a limited purpose FSA?
Yes, if your spouse is eligible to make contributions to a limited-purpose FSA. Each spouse may contribute up to the $2,600 maximum limit to their own health FSA. This applies even if both spouses participate in the same health FSA plan sponsored by the same employer.
Can both spouses have an FSA 2025?
For the 2025 plan year, contributions to an FSA are limited to $3,300 per person. Married couples can therefore contribute a combined $6,600 if they each have an FSA.
Can both parents put money in a dependent care FSA?
Contribution Limits
The annual contribution limit is $5,000 for individuals and for married couples filing jointly. For a married person filing separately, the annual limit is $2,500. That means, for a married couple, each parent can contribute $2,500 to their own Dependent Care FSA, for a total of $5,000.
Can an Employee Contribute to an HSA if Their Spouse Has an FSA?
Can both husband and wife claim dependent care FSA?
If you are married and file a joint tax return, your combined maximum election amount is $5,000. As mentioned, if you are married but filing separate tax returns, the maximum amount is $2,500. Expenses reimbursed under your dependent care FSA can't be reimbursed under your spouse's dependent care FSA and vice versa.
What happens if you put more than $5000 in dependent care FSA?
However, if you have more than $5,000 in dependent care expenses (effectively paid with after-tax dollars since you added it to your income), you may be able to use that additional amount to claim a dependent care tax credit on the Form 2441.
Can husband and wife both get FSA?
Facts about Flexible Spending Accounts (FSA)
They are limited to $3,300 per year per employer. If you're married, your spouse can put up to $3,300 in an FSA with their employer too. You can use funds in your FSA to pay for certain medical and dental expenses for you, your spouse if you're married, and your dependents.
What is FSA double dipping?
What is “double dipping”? Double dipping is paying for an expense on a tax-free basis and also being reimbursed (or receiving a tax deduction) for the same expense on a tax-free basis. This is forbidden by the IRS.
Can you use FSA for gym membership?
But that's not all a Letter of Medical Necessity can do for you. You can even pay for your gym membership with FSA/HSA funds, making it easier than ever to access top-of-the-line equipment like the models we have in our studios.
Is an HSA or FSA better?
Bottom line: Both HSAs and FSAs provide financial benefits for managing health care expenses. HSAs offer more flexibility and long-term growth potential, making them a valuable tool for future financial planning. Learn about HSA options from Aetna.
Is toothpaste FSA eligible?
For example, daily care products, like Vaseline, toothpaste, and deodorant, are not FSA-eligible expenses. Gym memberships and health insurance premiums aren't eligible either.
How much can I carry over in my FSA for 2024?
For the 2024 benefit period, you can contribute up to a maximum of $3,200 - an increase of $150 from the 2023 benefit period. You may also carry over unused funds up to a maximum of $640 into 2025 - an increase of $30 from the 2023 benefit period as long as you re-enroll.
Can I use my FSA for my girlfriend?
The IRS has very strict guidelines about who and what your FSA money can be used for. When it comes to your personal FSA, you can only use your funds for yourself or for people who are considered qualifying dependents.
Can both spouses contribute to HSA?
HSA Contribution Reminders
Married couples with HSA-eligible family coverage will share one family HSA contribution limit of $8,300 in 2024 and $8,550 in 2025. If both spouses have eligible self-only coverage, each spouse may contribute up to $4,150 in 2024 and up to $4,300 in 2025 in separate accounts.
Are diapers FSA eligible?
Regular diapers for newborns and infants are not FSA eligible because they do not treat a medical condition, but rather aid a healthy function of the body. There are some ways to save, however, including sales, coupons, buying in bulk or joining rewards programs.
Can both spouses have an FSA in 2024?
If the employee's spouse has a plan through their employer, the spouse can also contribute up to $3,200 to that plan. In this situation, the couple could jointly contribute up to $6,400 for their household. For FSAs that permit the carryover of unused amounts, the maximum 2024 carryover amount to 2025 is $640.
Can I use FSA to buy toothbrush?
Brush-Up on FSAs and HSAs
However, current law does not recognize certain oral healthcare products — such as manual toothbrushes, electric toothbrushes, water flossers, mouthwash, or OTC anti-cavity toothpaste — as “qualified medical expenses.”
What does FSA mean on condoms?
Did you know you can get over-the-counter supplies such as condoms with a Flexible Spending Account? FSAstore.com sells popular brand-name items including Trojan condoms and Durex condoms. Shop for these and thousands of FSA eligible products at FSAstore.com.
Can a married couple have two FSAS?
If both spouses' employers offer a health flexible spending account, you can each contribute to your own Health FSA (2022 example: $2,850 per FSA for household maximum of $5,700). Note that you cannot both submit the same expenses for reimbursement.
How much can a married couple contribute to FSA?
$5,000 for single individuals or married couples filing joint returns; $2,500 for married couples filing separate returns, The employee's earned income (if less than $5,000/$2,500) or. The spouse's earned income (if less than $5,000/$2,500).
Can both husband and wife contribute to dependent care FSA?
Short Answer: Married couples are generally limited to a $5,000 total dependent care FSA contribution limit between both spouses combined per calendar year. Both spouses generally need to be working for the employee to have daycare expenses that are eligible for dependent care FSA reimbursement.
What are the drawbacks of dependent care FSA?
Drawbacks of Dependent Care FSA
If money is left over at the end of the year, it doesn't carry over to the next year. If your employer doesn't offer this account, there is no other way to get one. Your FSA can only pay for qualifying expenses, while you're working.
Can I pay a babysitter with dependent care FSA?
Yes, your dependent care FSA can reimburse you for expenses paid to a babysitter under the age of 19 as long as the babysitter is not you or your spouse's child, stepchild, foster child, or tax dependent.
Can you double dip on dependent care FSA?
you may not “double-dip”, which means that expenses reimbursed under your Dependent Care FSA may not be reimbursed under your spouse's Dependent Care FSA and vice versa.