Yes, if your benefit program allows it. Once you have met the current year’s statutory HDHP deductible, you may request to have your Limited Purpose FSA (LPFSA) converted so it can be used for eligible medical expenses.
To qualify, you must meet the IRS minimum HDHP deductible for the current year- not your individual health plan’s deductible.
For 2026, the minimum HDHP deductibles are:
Self-only coverage: $1,700
Family coverage: $3,400
Steps
To request that your Limited Purpose FSA be adjusted to allow eligible medical spending, please follow these steps:
Obtain proof of your met deductible from your health insurance provider
Complete Benepass's Limited Purpose FSA: Met Deductible form
What to expect
Benepass will review your request and confirm your approval within two weeks. If approved, your remaining LPFSA balance will transfer to a Health FSA or Post-Deductible LPFSA enrollment. Medical expenses will now be eligible, in addition to dental and vision.
You'll be able to use your same Benepass card for all purchases.