Yes you can do that. But, as you know, the advantage of the LPFSA is that you can use pretax money to pay for the dental and vision stuff and let the pretax HSA money stay in and continue to grow. Over the last 2 years (the amount of time I've actually had money in investments in the HSA), I've averaged 20%+ just on their limited selection of mutual funds (Optum sp?).

My dental and vision bills usually come to about $1000-$1500 a year for the family. So I put in $1500 and and then carryover the amount that's $500 or less if I don't use it.

Denny