11 Surprising Ways to Use Your FSA Funds 

How to Spend FSA Money

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 $660 (called an FSA rollover or carryover) or 2) be entitled to a 2.5-month grace period (before March 15, 2026). 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 FSA 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.

1

23andMe DNA Kit

Curious about your ancestry? You can use 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: Save 40% if you buy during the New Year's sale.

2

Thinx Period Underwear

In addition to buying feminine care products like pads and tampons, you can also use your FSA funds on period underwear like Thinx. 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! Sunscreen

3

Supergoop! Sunscreen & Products

Now’s the time to splurge on SPF, especially ones that pull double duty. Supergoop! suncreens not only pack a skin-protective wallop of 30–50 broad-spectrum SPF, but it also includes ingredients that help hydrate skin and protect it against environmental damange. Savings tip: Supergoop! is just one of several brands of SPF that is FSA-eligible. 

4

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 office chair. And with so many of us working from home now, a better home office chair will go a long way in minimizing back pain.

5

Air Purifiers

With a Letter of Medical Necessity (LMN), you can be breathing a lot easier with the purchase of an air purifier. Look for models that captures more than 99% of airborne allergens and other features like UV-C light to combat germs and bacteria—plus whisper-quiet operation. Savings tip: Get free shipping on this item at Best Buy.

6

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: Amazon Prime members get free shipping.

7

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 is adjustable to mimic sunlight and other types of ambient light. Savings tip: Get free 1-day shipping with Amazon Prime.

8

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 or a walking pad that you can use while watching TV or just to escape your office chair every once in a while.

9

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: Buy 1, Get 1 50% off at CVS now.

reVive Acne Therapy light

10

Acne Treatments

Most acne treatments are FSA eligible. The reVive Light Therapy Clinical Acne Treatment—which is priced just below $100—is a solid choice for those with acne who have extra funds to spend. 

11

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? And Other FSA FAQs

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 $660 or a grace period of 2.5 months. In practice, most FSA users can still spend FSA funds from 2025 until March 15, 2026. (Receipts likely need to be submitted by March 31, 2026, to be reimbursed from 2025 funds.)

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. 

Where Can I Use my FSA Card?

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 2025?

The contribution cap for a 2025 FSA is $3,300, which is slightly higher than last year.

What is the FSA Rollover Limit for 2025?

The rollover limit for a 2025 FSA is up to $660, which is a $20 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.