By law, if you participate in a high-deductible health plan like Plan HSA, you may not participate in a traditional Health Care FSA. Your HSA will help you pay for qualified health care expenses not covered by Plan HSA and for eligible dental and vision expenses not paid by your dental and vision plans.

To also help you pay eligible health care expenses, you can enroll in the Limited Purpose FSA. (Unlike the HSA, though, participation in the Limited Purpose FSA is not automatic when you enroll in Plan HSA). For 2018, you can contribute up to $2,600 through convenient payroll deductions.

Your contributions to the Limited Purpose FSA may only be used for the reimbursement of eligible dental, vision, preventive drug and out-of-network preventive care expenses, and after you have met your Plan HSA annual deductible, other qualified health care expenses. The Limited Purpose FSA is subject to the same IRS rules that apply to flexible spending accounts. This means that (with the exception of the $500 carry-over) you will lose any Limited Purpose FSA contributions you do not use—so plan carefully.