If my spouse and I are both offered a healthcare FSA and a daycare FSA plan through our employers, how much can we elect?
Both you and your spouse can each have healthcare FSAs at your respective employers up to the maximum of $2,500. Also, each FSA at each employer is considered family, so it doesn’t matter if the husband’s FSA is paying for the wife’s out-of-pocket expenses or visa versa. For a daycare FSA, the IRS limits the household maximum at $5,000. If you file separate returns as a married couple, it would need to be $2,500 each. Otherwise, just one can select the daycare account and elect up to the max of $5,000.martopia