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How do I benefit from a Limited Purpose Health Care FSA?

IRS rules do not allow you to contribute to a Health Savings Account (HSA) if you have a General Purpose Health Care FSA (GPHC FSA). By limiting FSA reimbursements to dental and vision care expenses, you remain eligible to participate in both an LPHC FSA and an HSA, maximizing your savings and tax benefits. If you do not have an HSA, but want a Health Care FSA, you should enroll in the standard GPHC FSA instead of the LPHC FSA to maximize the eligible expenses you can seek reimbursement for.