I am being allowed by my employer to enroll in a Health Insurance plan outside of the open enrollment period or new hire period due to an Involuntary Loss of Coverage (my father lost his job and I was a dependent on his plan).

However, they are telling me that my event is not a qualifying event to enroll in an FSA, and I do not agree with this. Why would enrolling in a Health Insurance plan be OK, and enrolling in an FSA not?

I have read all the tables explaining which events quality for mid-year FSA enrollment and which do not, but none of them take into account the person in question previously being a dependent on someone else's health plan.

Thanks for your help!

2 Answers 2


I think you've answered your own question. The qualifying events for changing your FSA coverage specifically do not have anything to do with your health insurance or lack thereof.

  • Ok, so I guess I am not allowed to...
    – gaelgarcia
    Feb 7, 2015 at 0:23
  • 1
    Looks like it. :( Remember, the only connection between an FSA and medical insurance is that in the US both happen to be (inexplicably!) provided through one's employer.
    – dg99
    Feb 7, 2015 at 0:25

Most of the rules regarding FSAs are in the form "permitted, but not required." An employer can offer an FSA with a lower maximum deposit, for example. It's my understanding that while they might be legally required to allow you to enroll in the medical plan, the FSA can have a different enrollment criteria.

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