# Flex-spending accounts and dual incomes

**URL:** <https://boards.straightdope.com/t/flex-spending-accounts-and-dual-incomes/522883>\
**Category:** Factual Questions\
**Created:** [December 29, 2009, 5:33am UTC](https://boards.straightdope.com/t/flex-spending-accounts-and-dual-incomes/522883 "2009-12-29T05:33:39Z")\
**Posts on this page:** 1\
**Page:** 1

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**Author:** ![Mama\_Zappa](https://avatars.discourse-cdn.com/v4/letter/m/71e660/32.png) [@Mama\_Zappa](https://boards.straightdope.com/u/Mama_Zappa)\
**Post date:** [December 29, 2009, 5:33am UTC](https://boards.straightdope.com/t/flex-spending-accounts-and-dual-incomes/522883/1 "2009-12-29T05:33:39Z")

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So **Typo Knig** just started a new job, and the job offers a healthcare spending account (not the HSA sort that goes with a high-deductible plan, but rather a plain vanilla sort that you run your deductibles and copays through).

I also have such an account; we’ve always used that and always run out of money before we run out of year. This year, the money was gone by July.

I ran the numbers with our health expenses for last year and they exceeded the limit by a fair bit. As in, we could max out both accounts and not have any money left on the table.

The question: In the case of a dual-earner family, are there any restrictions on having both spouses with the flex accounts? Beyond not double-dipping that is - i.e. if I have a 100 deductible, we can’t get that 100 dollars from both accounts, only one of them.