{ "media_type": "text", "post_content": "FSA and HSA question. I'm currently on PPO healthcare plan as we are expecting a baby in April. We've maxed out our FSA at 2850. Can I switch to HDHP because of the baby being a life event, and then contribute 8/12 of the HSA max for the year too? Is there any change to my FSA if I do that (which will already be depleted by then)?", "post_id": "61f34fffea4865002c074f72", "reply_count": 3, "vote_count": 3, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early", "feed_type": "bowl" }

FSA and HSA question. I'm currently on PPO healthcare plan as we are expecting a baby in April. We've maxed out our FSA at 2850. Can I switch to HDHP because of the baby being a life event, and then contribute 8/12 of the HSA max for the year too? Is there any change to my FSA if I do that (which will already be depleted by then)?

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I don’t believe you can switch plans for a baby. You can only enroll baby under your existing plan. The life event doesn’t allow you to make plan switches, only adding or taking away from existing plan. But I’d check with HR.

Even if you could I'm not sure that you should. Wouldn't you be starting over on the deductible so all the expenses and higher premiums you paid through birth don't count? We did a HDHP when we had our second and maxed out the family cap by summer so the rest of the year was "free" other than the modest premiums. If we would have done a lower deductible plan I think it would have been a bit more due to the higher premiums and uncapped 20% or whatever it was after deductible. If switched mid year I believe we would have been worse off. I'd certainly look into it and model it out but I think you'll find it makes more sense to switch for 2023 not midyear.

Both birth and adoption are life events that allow you to switch. At least, they are at my employer, I assumed it was universal/law. Check with HR. But should you? Include in your decision whether or not you can max out your HSA contribution, and then not use it, as another tax-advantaged retirement account.

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