Core Insights - Flexible Spending Accounts (FSAs) allow employees to set aside pre-tax money for qualifying healthcare expenses, providing a tax break and reducing monthly expenses [1] - Unlike Health Savings Accounts (HSAs), FSAs have a strict deadline for spending contributions, with most 2025 FSA funds needing to be used by December 31, 2025, although some plans may offer a grace period until March 15, 2026 [2][5] - Unused FSA funds can be lost if not spent, emphasizing the importance of understanding the specific rules of the employer's plan [3] Spending Options - Employers may provide a grace period of up to 2.5 months to utilize remaining FSA funds [5] - Suggested items for spending unused FSA funds include: - Dental care services such as cleanings or fillings [6] - Over-the-counter medications [6] - Vision exams and new glasses [6] - First-aid supplies [6] - Chiropractic care [6] - Contact lenses and lens solutions [6] - Cough drops [6] - Flu shots and other vaccines [7] - Menstrual products [7] - Massage therapy [7] - A comprehensive list of eligible products and services is available through FSA Feds, encouraging users to check for regularly used items [7]