added info: flexible spending arrangements (health FSAs) are capped at $2,500 for 2013. This is a rather large drop and might require you to do some additional budgeting this year.
FSAs are only available to people choosing an insurance plan from their employer. So, they're not applicable to the situation we cover in this article where somebody is buying insurance individually.
It looks like FSA caps are reduced from a previously employer-determined limit (often e.g. $5000) to a federally mandated $2500, but HSA caps are increasing from $3100 to $3250 (for individuals).