what if my spouse is enrolled in a different health insurance plan 
you can use funds from your healthcare fsa to pay for eligible medical costs for both your spouse and tax dependents regardless of the medical insurance in which they are enrolled to use funds for your dependents they must be claimed on your tax return and dependents can t file their own return 14can i use an fsa with a health insurance marketplace high deductible plan you can t use an fsa with a marketplace plan instead you can set up a similar product called a health savings account hsa these let you to set aside money on a pretax basis to pay some health expenses if you have this type of health insurance 15the bottom linea flexible spending account fsa lets you set aside a portion of your earnings before tax for medical and dental expenses it s established by an employer for employees employers also can contribute to employees fsas distributions from the account must be used to reimburse the employee for qualified expenses related to medical and dental services another type of fsa is available for dependents care there s a maximum contribution limit for individuals each year and most of the money must be spent in the calendar year it s saved so fsa account holders need to carefully plan their contribution amounts to avoid losing unused funds 