The IRS sets and adjusts FSA limits annually for inflation . Some employers can set lower limits for their own plans. Married couples can contribute to their own plans to meet a combined household limit.You can't use an FSA with a marketplace health insurance plan. (You can use an HSA with a marketplace plan, though.)There are certain rules you need to know about FSAs:Since an FSA uses pre-tax dollars, it lowers your taxable income. The money you put into your FSA is not subject to income taxes. You can mak ...