Yes, you can use your healthcare FSA to pay for eligible expenses incurred by your spouse or dependents, even if they aren’t covered under your health insurance plan.
FSA eligibility is based on the IRS definition of a dependent, not your insurance enrollment. That means the person doesn’t have to be listed on your group health plan—they just need to meet the IRS criteria, such as:
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Spouse: Legally married at the time the expense is incurred
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Dependent children under age 26
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Other qualifying dependents: Such as a parent, sibling, or relative who lives with you and relies on you for support (per IRS rules)
This can be especially useful if your spouse has their own health coverage but you want to use your FSA to help cover their copays or out-of-pocket costs.
Just make sure the expense itself is eligible, and be prepared to provide documentation if required by your FSA administrator.
One note: If your spouse has access to your FSA funds, this could disqualify him or her from contributing to a Health Savings Account.