For several years Americans have been putting aside money into Flexible Spending Arrangements so that income could be used as a tax free method of paying for prescription drugs and other things like co-pays, but there are some changes that have hit these accounts that may also impact how a person's FL health insurance would operate. While an FSA would allow a person to donate up to five thousand dollars for the account over the course of the year this amount of money was halved recently so that the government would be able to tax a higher percentage of a person's income.