The answer should be "No" unless you declare them as your dependents. ( which is not possible if your children are older than 26 unless having mental disabilities, for your parents, not sure how you can declare them as your dependents). The dependents declaration is tied with your work human resource system. for your FSA / HSA question, since you and your husband have two separate insurances, I am not familiar with such case, since usually FSA and HSA do not co-exit but in your case, you each have your own health insurance, so not sure the regulation from IRS. but in general, yes, you always use FSA first, then HSA since you''''d have to forfeit FSA if you don''''t use it up vs HSA can be an investment even if you don''''t use it up.
回复 1楼amber10的帖子 个人理解： 夫妻俩 FSA 和HSA不能同时存。而FSA一般都是一年（也许有点宽限）就过期了。 IRS 是这么解释的 Qualified medical expenses are those incurred by the following persons. You and your spouse. All dependents you claim on your tax return. Any person you could have claimed as a dependent on your return except that: The person filed a joint return; The person had gross income of $4,200 or more; or You, or your spouse if filing jointly, could be claimed as a dependent on someone else’s 2019 return.
for your FSA / HSA question, since you and your husband have two separate insurances, I am not familiar with such case, since usually FSA and HSA do not co-exit but in your case, you each have your own health insurance, so not sure the regulation from IRS. but in general, yes, you always use FSA first, then HSA since you''''d have to forfeit FSA if you don''''t use it up vs HSA can be an investment even if you don''''t use it up.
个人理解： 夫妻俩 FSA 和HSA不能同时存。而FSA一般都是一年（也许有点宽限）就过期了。 IRS 是这么解释的 Qualified medical expenses are those incurred by the following persons. You and your spouse. All dependents you claim on your tax return. Any person you could have claimed as a dependent on your return except that: The person filed a joint return; The person had gross income of $4,200 or more; or You, or your spouse if filing jointly, could be claimed as a dependent on someone else’s 2019 return.
https://www.flexiblebenefit.com/sites/default/files/docs/fsa_frequently_asked_questions.pdf
看第三个问题的回答，可以给家里人用，不需要跟自己的 plan