Can flex spending be used for my son who doesn't have health insurance?

  • by Zachary
  • Aug 08,2018
  • 8 answers

Can flex spending be used for my son who doesn't have health insurance?


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Insurance Answers (8)

Casey Y 6 days ago

If he lives with you, you can probably pull this off, as long as they are considered a dependent...totally fine.

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STEVEN F 6 days ago

Short answer, unless he is your dependent for tax purposes, you can't use YOUR flexible spending account for HIS expenses, regardless of insurance coverage.

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NA 6 days ago

See IRS publications 502 and 969.
Publication 969 covers FSAs. A qualified distribution includes qualified medical expenses for you, your spouse and your tax dependents, children under 27 at the end of the tax year and anyone who could have been your dependent except for their income for filing status.
You state your child is 26, but if they are 27 on 12/31/2018, they won't qualify under that exception.
Note, that's 3 different ways your child could qualify for deductible expenses. Dependent on return, under 26 on 12/31/2018 or more than half of their total support was from you, but they made too much money (I believe there is still an income test for 2018) or filed MFJ.

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David 14 7 days ago

No. Only for you.

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Rick B 7 days ago

No. Your flex spending account can only be spent by those on your insurance.

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Insurance Pickle.com 7 days ago

The U.S. Internal Revenue Service (IRS) allows Flexible Spending Account (FSA) funds to be used for qualified medical expenses incurred by an account owner and his spouse. Additionally, the IRS allows FSA funds to be used by any person claimed as a dependent on the FSA owner's tax return with certain qualifications.

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Zarnev 7 days ago

You can use the funds for all dependents you claim on your tax return, any person that you could have claimed but didn't (with certain limitations) and any child that is under age 27 at the end of the tax year.

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Judy 7 days ago

Is he your dependent? If not, no.

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