r/FSAHSAcardtips

▲ 3 r/FSAHSAcardtips+1 crossposts

FSA and HSA Strategy

I have an HSA, but have to switch to a new insurance plan which provides an FSA.

I was paying out of pocket for medical expenses for the purpose of reimbursing from HSA many years down the line.

Now that I have an FSA, would it make more sense to now contribute to FSA and use those to pay for my current medical expenses? Or do I continue to pay out of pocket and reimburse from HSA in the future, at least until my out of pocket total expenses surpass my HSA balance?

Edit: I think better rephrasing of question is: which of these options is better?

  1. Contribute to FSA to pay for expected medical expenses or
  2. Don't contribute to FSA, pay out of pocket, then reimburse from HSA in retirement.
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u/Lanky-Success-4252 — 5 days ago