Last year, I let $142 in FSA funds slip through my fingers. It wasn’t intentional—I just got busy, forgot about the deadline, and told myself I’d “get around to it” later. Spoiler: I didn’t. And I promise, there’s nothing quite like watching your own pre-tax dollars vanish into thin air because you didn’t order a few bandages or book a dentist appointment.
If you’ve ever faced that frustrating use-it-or-lose-it countdown, you know how quickly the end-of-year FSA deadline sneaks up. And if you have an FSA now, you might be wondering: What exactly can I still use this money on—and fast?
The good news is that FSAs are more flexible than most people realize. The even better news? You don’t have to spend that money on things you don’t actually need (looking at you, 8-pack of thermometers). With a little strategy—and a touch of creativity—you can stretch your FSA dollars in ways that feel smart, satisfying, and genuinely useful.
1. Stock Your At-Home Medical Kit
Yes, bandages and gauze are FSA-eligible—but let’s expand the thinking. What about that thermometer you haven’t replaced since 2004? Or a smart oximeter, hot/cold packs, or even a splint for the clumsy family member you know will need it by New Year’s?
This is a great time to upgrade your medicine cabinet with smarter tools that save you a trip to urgent care when something flares up at home.
Also eligible: digital blood pressure monitors, first aid kits, medical alert systems, and even contact lens solution—a detail many people miss.
According to the Employee Benefit Research Institute, nearly half of FSA participants forfeit some of their funds each year, with the average loss being around $339.
2. Treat Your Feet
If your feet are tired, sore, or you’re managing plantar fasciitis, orthopedic insoles and podiatrist-recommended inserts are absolutely FSA-eligible. So are certain foot care products like bunion cushions, toe spacers, and even foot circulation stimulators.
And yes—select orthopedic shoes and arch supports can qualify if they’re prescribed for a medical condition.
So go ahead, give your feet the support they deserve—especially if you’ve been standing or walking more than usual this season.
3. Prep for Cold & Flu Season Like a Pro
The calendar might say “holidays,” but your immune system knows it’s also germ season. Stocking up on FSA-eligible cold and flu essentials now means fewer last-minute drugstore dashes later.
Eligible items include:
- Nasal sprays (saline and medicated)
- Vapor rubs
- Thermometers (including smart ones)
- OTC cold medications and cough suppressants (with a prescription)
- Chest compresses and steam inhalers
Remember, as of the CARES Act, over-the-counter medications are eligible without a prescription again—which opens up a world of helpful options.
4. Invest in Period and Menstrual Care Products
This one’s still flying under the radar: as of 2020, menstrual care products are FSA-eligible.
That means you can use your funds on:
- Tampons and pads
- Menstrual cups or discs
- Period underwear (from approved retailers)
- Heating pads for cramps
- PMS supplements (depending on the ingredients)
If you or someone in your household menstruates, stocking up now isn’t just smart—it’s money well spent on something you’d buy anyway.
5. Upgrade Your Eyewear and Eye Care Essentials
Even if you don’t wear prescription glasses, your FSA can still support your eye health.
Eligible expenses include:
- Prescription glasses and sunglasses
- Contact lenses and cleaning solutions
- Blue light-blocking lenses (if prescribed)
- Eye drops for dry or red eyes
- Vision exams not covered by insurance
If you’ve been eyeing (pun intended) a pair of glasses or need to refresh your stash of contact solution, this is your sign.
6. Book a Last-Minute Appointment You’ve Been Putting Off
Got a nagging issue you’ve been ignoring? Your FSA can be used for copays and out-of-pocket costs at a wide range of healthcare providers—not just primary care.
Think:
- Acupuncture or chiropractic visits
- Dermatology consults
- Mental health therapy
- Physical therapy
- Dental cleanings or X-rays
If your provider can squeeze you in before the deadline—or if you can prepay for a session—you can still apply those FSA dollars meaningfully.
7. Restock Baby and Parenting Essentials (Even if Your Baby Isn’t a Baby Anymore)
If you’re a parent, your FSA covers a surprising number of family-first items:
- Breast pumps and accessories
- Baby thermometers
- Teething relief products
- Infant fever reducers (prescription not required)
- Prenatal vitamins and pregnancy tests
- Diaper rash creams
Even older kids may benefit from FSA-eligible essentials like OTC allergy meds, sunscreen, and pediatric first-aid items.
This is one area where pre-planning can really stretch your dollars and reduce that new-year scramble.
8. Manage Stress or Pain with a Little Help from Science
Whether it’s migraines, sore muscles, or generalized pain, your FSA can cover tools that bring real relief—many of which don’t require a prescription.
Look into:
- TENS (electrical nerve stimulation) units
- Hot/cold therapy packs
- Weighted heating pads
- Migraine relief masks
- Posture supports
You can even get compression gear like socks or sleeves—especially if you travel, sit at a desk all day, or deal with circulation issues.
9. Stock Up on Skin and Sun Care Products
Sunscreen? Eligible. Acne treatment? Also eligible. That pricey mineral SPF you only use on vacation? Covered.
More skin-related FSA-eligible items include:
- Eczema and psoriasis creams
- Scar treatments (like silicone sheets)
- Antifungal treatments
- SPF lip balms
- Medicated moisturizers (check labels)
Just make sure you’re buying from a vendor that notes FSA eligibility—some brands now highlight this on their sites or receipts for easy proof.
10. Support Your Mental Wellness (Not Just Your Physical Health)
Mental health is healthcare. And thankfully, your FSA can help support your emotional well-being in tangible ways.
You can use it for:
- Therapy and counseling sessions
- Psychiatric care
- Online mental health platforms (if medically necessary)
- Anxiety aids (like certain sleep or stress-related devices)
While wellness apps and meditation subscriptions typically aren’t eligible, tools prescribed or used as part of treatment often are—so ask your provider if you’re unsure.
And if you’ve been thinking of therapy but hesitating to spend out-of-pocket, your FSA might be the nudge you needed.
11. Make Pre-Tax Moves on Big-Ticket Items
If you’ve got a larger FSA balance and aren’t sure how to use it, consider splurging (smartly) on eligible higher-cost items. You’d be surprised what qualifies.
Examples include:
- At-home fertility monitors
- CPAP machines and supplies
- Breast pumps
- Prescription orthotics
- Hearing aids
- Medical alert systems
These investments aren’t just eligible—they can make a real difference in your day-to-day quality of life. And making them with pre-tax dollars can lower your actual out-of-pocket cost more than you realize.
Before You Swipe That Card—A Few Rules Worth Remembering
- Deadlines vary by plan. Some employers offer a grace period (usually 2.5 months into the new year), while others allow a limited carryove* (up to $640 in 2024). Don’t assume—check your plan.
- Some retailers make FSA shopping easy. Sites like FSAstore.com only sell eligible items and often offer end-of-year bundles to use up funds efficiently.
- Keep your receipts. Some purchases require proof or a Letter of Medical Necessity—especially if you’re reimbursing yourself later.
Use It With Intention: Your FSA Can Be More Than a Deadline
Think of your FSA like a wellness fund that already belongs to you. It’s not a burden, and it’s not just a use-it-or-lose-it scramble—it’s a chance to invest in your care, comfort, and peace of mind.
This is your opportunity to shop smarter, book that appointment you’ve been putting off, or finally try the therapy device or skincare product you’ve had your eye on.
Because when you use your FSA dollars intentionally, you’re not just spending money—you’re making a decision to prioritize your well-being in a very real way.
Let the Clock Remind You to Care
There’s something powerful about honoring what your body and mind truly need—especially in a season that’s all about giving. Before the year wraps, pause and ask: What would make me feel just a little better, healthier, more supported right now?
Then check if your FSA covers it.
This isn’t about rushing to spend—it’s about recognizing that care doesn’t always come wrapped in a big moment. Sometimes, it’s in the thoughtful choices that say: I’m worth it—and I’ve already saved for this.
