Preventive care has to be covered at 100%. Which means people won't contribute as much to their FSA to cover those expenses. Combine that with OTC drugs not being covered by your FSA in 2011. AND, in a future year, I can't remember if it is 2013, or 2014, the cap for FSA will be decreased to 2500. I believe the ultimate goal would be to eliminate the FSA entirely, as the government isn't making any money on it, what, with it being deducted pre-tax.