This might be old, old, old news, but we only signed up for the SHPS health spending account this year. Having read the fine print, which defers to the IRS, I just found out from that venerable institution that kids under age 25 by the end of the tax year are covered for SHPS expenses under their rules---and the IRS is SHPS's Higher Power. All HSAs are tax-shelters, not health plans. (LLNS shouldn't even care since it's not costing them anything.) Might be of extreme interest to those employees with college-age kids, as LLNS cuts students off from all benefits on their 22nd birthdays!
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