This planner has been prepared to help you determine the amount of money, if any, you wish to allocate to a Health Care Flexible Spending Account. You will need to consider the expenses you expect to have for the upcoming plan year carefully. Review the expenses you normally have and any you can schedule for the upcoming plan year that are not covered, or will only be covered partially, by your medical plan.

Remember that this account is for all out-of-pocket medically necessary expenses for yourself, your spouse, and any qualifying dependent (whether insured through your group health plan or not), as long as you and your spouse file a joint tax return or you are a single parent.