Spouse's premiums

[Guest sphile]

Can a participant run her retired spouse's premiums through her FSA account? The husband is retired and they pay out of pocket for supplemental medical insurace. Can she use her FSA to cover this? I am thinking no because it is an insurance premium, but then again it is not being paid pre-tax. Any info would be great!

[GBurns]

By "run her retired spouse's premiums through her FSA account" I assume you mean get reimbursed for the amount that she paid for the supplemental insurance.

If so then she would be reimbursing herself with money that was pre-taxed through her salary reduction for the FSA.

Although she paid the spouse insurance premium after tax, reimbursement of insurance premium is not an eligible expense under an FSA.

But since you say that "they pay out of pocket for supplemental medical insurace" I expect that she is also a covered person. If this supplemental insurance was sponsored by her employer, Why not pre-tax the premium through the cafeteria plan? If not employer sponsored can she get the employer to sponsor it?