How do I use my FSA before it expires?
Last updated September 3, 2026.
FSA money expires: at the end of the year or grace period, leftover funds are lost, per HealthCare.gov. First check your plan's softener: a grace period of up to two and a half months or a carryover of up to $660, one or the other, employer's choice, or neither. Then spend on real needs: overdue dental, eye, and skin appointments, since FSAs cover deductibles, copays, and coinsurance; new glasses or contacts; prescription refills; and eligible everyday items like first-aid supplies, sunscreen, and pain relievers. Do not panic-buy junk, and check eligibility lists first. Next enrollment, contribute only what you will realistically spend.
What to do
- Check your exact deadline and any grace period or carryover with HR.
- Book overdue appointments: dental, eyes, dermatology.
- Buy glasses, contacts, and eligible everyday supplies before the deadline.
- Contribute less next year if you keep ending December with a balance.
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