You're generally eligible for FSAs if you're a benefits-eligible employee, but specific eligibility rules vary by FSA type and whether you have other benefits like an HSA.

Who is eligible?

Most full-time employees are eligible to enroll in an FSA, so long as their employer offers it as part of their benefits package. 

Health Care FSAs

Benefits-eligible employees not enrolled in an HSA or covered by a spouse's HSA are eligible to enroll in Health Care FSAs. You don't need to be enrolled in the company's health plan to participate.

Limited Purpose FSAs

Benefits-eligible employees enrolled in an HSA-qualified health plan or with an existing HSA are eligible to enroll in Limited Purpose FSAs. The LPFSA is specifically designed to complement HSA participation.

Dependent Care FSAs

Benefits-eligible employees with qualifying dependents (children 12 or under or dependent adult unable to care for themselves) that reside within the same home are eligible to enroll in Dependent Care FSAs, so long as both the employee and spouse, if applicable, are both working or looking for work. 

Why?

FSA eligibility rules are determined by IRS regulations and your benefits enrollment status:

• Health Care FSA and Limited Purpose FSA eligibility depends on your employment status and other health benefits
• Dependent Care FSA eligibility requires you to have qualifying dependents and specific employment circumstances
• Certain combinations of accounts (like HCFSA and HSA) aren't allowed under IRS rules

When can I enroll?

Current employees can enroll during the company's initial enrollment period, during Open Enrollment, or following a qualifying life event.

Newly hired employees have 30 days after being hired to enroll in an FSA.

What factors might impact my eligibility?

There are some situations that might impact your eligibility for FSA benefits. 

• Part-time or contract employment status may affect eligibility
• Mid-year changes in employment or benefits enrollment can affect FSA participation
• Having a spouse with certain benefits coverage might limit your FSA options
• Self-employed individuals generally aren't eligible for FSAs