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HSA and FSA plan design


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Guest James J. Stewart
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I'm seeking guidance on the design of an FSA plan where the employer's only medical plan is a QHDHP. I know that a Limited Purpose plan can be designed, and I know that a Post Deductible plan can be used, and I also know that a combination of the two is possible. I further know that an employer can write an FSA plan to specify what items under 213 (d) are eligible expenses.

What I want to know is if an employer can write a combination plan that reimburses HDHP eligible expenses post deductible as well as a Limited Purpose plan that covers all 213 (d) expenses except those covered under the employer's QHDHP plan

Can anyone provide clarification?

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