Using my FSA is pretty annoying. I have to submit claims and scramble to use it or lose it. Is there any advantage (aside from perhaps cash flow) of using an FSA over just claiming my medical/childcare expenses on my taxes? Is there a higher max or something? Because it seems to me that I'm just better off claiming everything on my taxes and being done with it!
To claim medical expenses on your taxes they need to exceed 7.5% of your AGI, and then only the amount over 7.5% is deductible. That's not much. There is no "floor" if you use an FSA as it's all pre-tax.
If you're concerned about use or lose, then allot less next year. It's all what you're comfortable with.