You can use the money in your HSA to pay for current or future expenses for you and your tax dependents, even if they are not enrolled in your medical plan.

Also, if you are enrolled in the HSA option, you can only use the Limited Purpose Health Care Flexible Spending Account (FSA) funds to pay for eligible dental or vision care expenses that are not covered by any other plan until you have satisfied the HSA plan deductible. Once the deductible is met (in-network or out-of-network), you can also use your FSA funds for coinsurance on medical expenses.