What can I buy with my FSA?
Last updated September 3, 2026.
An FSA pays for out-of-pocket health costs with untaxed money: deductibles, copayments, coinsurance, prescriptions, some over-the-counter items, and everyday health products like first-aid supplies, sunscreen, contact solution, period products, and pain relievers. The catch is use-it-or-lose-it within the year, with only a possible two-and-a-half-month grace period or $660 carryover as relief, so do not overfund it. Not eligible: insurance premiums, cosmetic work, gym memberships. The exact list is set by IRS rules and your plan administrator; check it before a big shop.
What to do
- Check your plan's eligibility list before assuming an item qualifies.
- Use it for deductibles, copays, dental, vision, and prescriptions.
- Stock up on eligible everyday items before year end.
- Never use it for premiums or cosmetic procedures.
Related questions
- What is a grace period for health insurance?
- How do I find out what my insurance covers?
- Can I use a GoodRx coupon with insurance?
- How to get cheap prescriptions without insurance?