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Health care flexible spending accounts have an individual maximum, not a household maximum. You and your spouse can each submit claims up to the flexible spending account maximum.
There are two ways you can do paperless reimbursement in this scenario. During the enrollment process, you can select Shared Account Processing. This would allow the paperless reimbursement to initially come from the FEHB holder’s account. Once that is depleted, it would come from the spouse’s account.
Alternatively, you can enroll regularly and submit claims manually to the non-FEHB accountholder.
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