Do I still need my Health Flexible Spending Account?

This answer depends on how your employer designs their benefit package. A general purpose Health FSA is considered to be "other health plan" coverage and would disqualify an individual from participating in an HSA. On the other hand, your employer may choose to use a Health FSA for a specific "Limited-Purpose" benefit which limits FSAs reimbursements to dental and vision expenses only and would allow you to participate in both an HSA and a Limited-Purpose FSA. Since vision and dental expenses are also HSA eligible expenses, you could not reimburse yourself from both accounts. Consult your employer to find out what options you have with regards to Health Flexible Spending Accounts. Note: Dependant Daycare Accounts are eligible in conjunction with an HSA.