FSA Guide
How FSAs Work — The Complete Guide
The rules that decide how much you can contribute, what happens to unused money, and when your deadlines hit — each answer traced to the current IRS figure. Wondering whether a specific product qualifies instead? See what's FSA eligible or use the eligibility checker.
Check eligibility on the go — browse 7,000+ FSA-eligible products in the free app.
Get the app2026 FSA Contribution Limits: Health, Dependent Care & More
the 2026 Health Care FSA contribution limit is [$3,400](https://www.irs.gov/pub/irs-drop/rp-25-32.pdf) — up $100 from the 2025 limit of $3,300.
Read the guide →Americans Forfeit ~$4 Billion in FSA Money Every Year
**Short answer:** U.S. workers forfeit an estimated **$3 to $4 billion in FSA money every year**, and roughly **half of all FSA accounts lose at least
Read the guide →Can You Have Both an FSA and an HSA?
**Short answer:** A general-purpose FSA blocks HSA contributions entirely. A limited-purpose FSA (dental and vision only) does not.
Read the guide →FSA Carryover 2026: Exact Rollover Limit Explained
the IRS sets the FSA carryover limit at [$680 for plan years beginning in 2026](https://www.irs.gov/pub/irs-drop/rp-25-32.pdf) — meaning unused 2026 f
Read the guide →FSA Grace Period vs. Carryover: Which Saves More?
neither option is universally better — grace period wins for lumpy January spenders, carryover wins for chronic over-contributors, and the wrong choic
Read the guide →FSA Use-It-or-Lose-It Rule and Deadlines Explained
unspent FSA funds are forfeited at plan year-end unless your employer offers a grace period (up to 2.5 months) or carryover (up to $680 in 2026).
Read the guide →FSA vs HSA Difference: Which Account Wins for You
**Short answer:** An HSA is a personally owned account with a triple tax advantage but requires a high-deductible health plan.
Read the guide →How Does an FSA Work? Full Lifecycle Guide (2026)
your employer withholds your FSA election pre-tax each paycheck, the full annual amount is available on day one, you spend it on qualified medical exp
Read the guide →How to Spend FSA Money Before It Expires (Smart Guide)
don't just panic-buy bandages. Check your plan's deadline type first, then spend down by priority — highest-certainty eligible items before borderline
Read the guide →What Can You Buy With an FSA? The Complete Guide
what you can buy with an FSA spans prescriptions, OTC medications, dental and vision care, and hundreds of medical products — but gray-zone items like
Read the guide →What Happens to Your FSA When You Quit
when you quit, unspent FSA funds are generally forfeited back to your employer—but your last eligible spending date may be later than you think, and C
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