Hmm, I can have a colonoscopy and a physical in the same year. Of course, I had my colonoscopy before the ACA, but DH had his after, and was fine. And he goes for 2 preventative exams, yearly, one with the internist and one with the cardiologist. We pay the co-pay for the cardiologst.
The FSA, however is annoying, but it doesn't anger me. We get questioned for receipts on a regular basis for things that are obvious, like PT co-pays, but yet, it paid for 2 years of acupuncture with no questions. We've had several companies, though, and some are definitely better than others. I have used it for very expensive glasses and then pay for my contacts out of pocket. This year, I used it for the contacts, though. What I don't do is use it for the non-prescription things that are supposed to be covered, but are always rejected.