Originally Posted by Flyinhigh

I am not a tax expert, but current IRS rules do not allow medical expenses to be deducted until they exceed 10% of your adjusted gross income. That is a lot of copays and prescriptions. If you use the FSA, the money comes straight off of your taxable income. At a 20% effective tax rate, you could save over $400 if you put $2250 into the FSA.