I was covered by my wife's HDHP with HSA plan from her employer with a deductible of 2500 (individual)/5000 (family). We recently became parents of a beautiful baby girl.I want to opt for health insurance for my daughter,me from my employer and wanted to know If my daughter qualifies for a DCFSA (Dependent Care FSA).My employer also provides Health care FSA but I read that I cannot have FSA when a spouse has a HSA. My wife will opt for HDHP HSA plan through her employer once she gets back to work in early January.
Daughter & Me - Aetna PPO + DCFSA (if qualified) - My employer
Wife - BCBS Anthem HDHP with HSA. - Her employer
Now can I opt for DCFSA for my daughter under my employer's health insurance even though my wife will have a HSA through her employer? If yes, How much is the contribution limit for DCFSA from my paycheck and how much will be contribution limit for my wife's HSA? Can we use HSA for all the members of the family for medical expenses or is it limited to only my wife's medical expenses?