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11 Surprising Ways to Use Your FSA Funds 

If you're finishing the year with extra cash in your Flexible Savings Account (FSA), first things first—don’t panic. Depending on your plan, you may either be able to 1) roll over up to $550 or 2) be entitled to a 2.5-month grace period. And as for cashing in those funds, it’s easier than you think. Sunscreen, over-the-counter medicine, and first-aid supplies are all FSA-eligible and worth stocking up on. You can also use funds on certain services, like acupuncture and massage therapy, to relieve stress and improve your overall health. 

Ready to journey into the land of FSA-eligible items with Groupon Coupons? Then read on for surprising ways to use up your funds with services and products—many times from the comfort of your home through online stores. We’ll also share tips on how to save on these products with Amazon coupons, Walgreens coupons, and CVS coupons, as well as answer some frequently asked questions.


23andMe DNA Kit

Curious about your ancestry? You can use up to $117 of your FSA funds on a Health + Ancestry service from 23andme. In addition to building out your family tree, the kit will assess your chances of developing certain medical conditions based on your genetic data. Savings tip: Buy one kit, get 20% off each additional kit.


Thinx Period Underwear

In addition to buying feminine care products like pads and tampons, you can also use your FSA funds on Thinx Period Underwear. These reusable undergarments, which come in several styles, can absorb as much as four tampons while keeping moisture and odor at bay. Savings tip: Get free 1-day shipping with Amazon Prime.


Supergoop! CC Screen

Now’s the time to splurge on SPF, especially ones that pull double duty. Supergoop! CC Screen not only packs a skin-protective wallop of 50 broad-spectrum SPF, but it also evens out skin tone with a buildable, 100% mineral formula. It’s a one-and-done makeup and SPF routine. Savings tip: Get free 1-day shipping with Amazon Prime. 


Tempur-Pedic Ergonomic Chair

If you obtain a Letter of Medical Necessity (LMN) from your doctor, you’re likely to be approved to use your FSA funds on an ergonomic chair. And with so many of us working from home for the foreseeable future, a better home office chair will go a long way in minimizing back pain.


Air Purifiers

With a Letter of Medical Necessity (LMN), you can be breathing a lot easier with the purchase of an air purifier. This model from GermGuardian captures up to 99.97% of airborne allergens, and it also utilizes UV-C light to combat germs and bacteria—all with whisper-quiet operation. Savings tip: Get free shipping on $19+ orders.


LifeStyles Ultra Sensitive Condoms

Family-planning products, including condoms, pregnancy tests, and fertility tests, are all FSA eligible. These items are generally pretty pricey, which makes them a good option for stocking up on at the end of the year. Savings tip: Get $25 off your $100+ order with code SAVEMORE.


Light Therapy Lamps

If you suffer from seasonal affective disorder, or just feel gloomy from too much time indoors, you’ll be happy to know that light therapy lamps are FSA eligible. This compact version mimics sunlight to brighten rooms and moods. Savings tip: Get free 1-day shipping with Amazon Prime.


Exercise Equipment

With a Letter of Medical Necessity (LMN), you could be eligible to purchase exercise equipment with your FSA funds. Be sure to check with your provider ahead of time. If approved, we recommend the Nordic Track T Series treadmill to burn calories and improve your cardiovascular health.


Nicotine Gum and Patches

If your new year’s resolution is to quit smoking, your FSA funds can help. Use them to buy nicotine gum, patches, and lozenges to kick the habit for good. Savings tip: Get $25 off your $100+ order with code SAVEMORE.


Acne Treatments

Most acne treatments are FSA eligible. The reVive Light Therapy Essentials Acne Treatment—which is priced just above $50—is a solid choice for those with acne who have extra funds to spend. Savings tip: Get $25 off your $100+ order with code SAVEMORE.  


Acupuncture and Massage

FSA funds aren’t limited to products; there are also services you can give a whirl to improve your overall health. We recommend booking an acupuncture or massage session to relieve stress and tension.


What is an FSA?

A Flexible Spending Account (FSA), or Flexible Spending Arrangement, is a plan you contribute to with pre-tax earnings that allows you to pay for eligible out-of-pocket medical expenses, including vision care and dental care. It’s offered by employers as part of a benefits plan.   

How does an FSA work?

Depending on your plan, you’ll either have a debit card tied to the account to make charges from, or you’ll submit receipts and documentation for reimbursement. 

Do FSA funds roll over? 

FSA funds generally expire at the end of the year, but depending on your plan, you may be eligible for either a rollover of up to $550 or a grace period of 2.5 months.

What can I buy with my FSA card?

So many things! Visit the FSA Store for a comprehensive list of FSA-eligible products and services, including breast pumps, blood pressure monitors, and reimbursement for travel to/from doctor appointments and AA meetings. 

What Stores Can I use my FSA card at?

You can visit the FSA Store for a one-stop-shop of FSA-eligible items. Here are a few more popular stores to check out:

What is the difference between an FSA and HSA?

Like an FSA, a Health Savings Account (HSA) allows you to use pre-tax earnings for out-of-pocket medical expenses. But while an FSA is owned by the employer, an HSA is owned by the individual and can be carried over from job to job. An HSA also has a higher contribution limit, and any unused funds will roll over to the next year. Check out the HSA Store for HSA-eligible items.

What is the FSA spending limit for 2021?

The contribution cap for a 2021 FSA is $2,750, which remains unchanged from last year.

What is the FSA rollover limit for 2021?

The rollover limit for a 2021 FSA is up to $550, which is a $50 increase from last year.

What is Dependent Care FSA?

The Dependent Care Flexible Savings Account (DCFSA) is a pre-tax benefit account that allows you to pay for eligible, out-of-pocket dependent care services, such as preschool, after-school programs, or adult daycare. A dependent is defined as either a child under 13 or a spouse or relative who is physically or mentally incapable of self-care and resides in your home.

Can I Use an FSA or Dependent Care FSA on Diapers?

Unfortunately, diapers are not an eligible expense for FSA or DCFSA accounts. But be sure to check out our Cheapest Diaper Prices of the Week for the best savings.