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There are over 2,500 healthcare and wellbeing products that customers can buy using the money saved in their Flexible Spending Accounts (FSAs).
You’ve got a limited amount of time to spend this money, and in some cases, you could be sitting on thousands of dollars you haven’t spent.
When and how can I spend FSA funds?
As long as you’ve got FSA funds to spend, then you can access this account all year. However, everyone has a deadline because these funds are subject to a use-it-or-lose-it rule.
A lot of people had a 4/30 deadline for spending 2024 funds, although your FSA administrator or HR department may have a different deadline for your FSA account. Make sure you check first!
In other cases, you may be eligible for an FSA Grace Period, which is 2.5 months after your yearly plan ends to spend it before it reverts to your employer.
Some accounts allow for up to $640 from one year to be rolled over into the next; so again, it’s worth checking exactly what you’re entitled to spend. You should also know whether you need to claim the money back or if you’ve got an FSA card to cover qualified health expenses.
If you aren’t sure how much you’re allowed to spend on FSA-eligible healthcare products (for yourself, a partner, and children up to age 26, or adult dependents listed on your tax return), the FSA Store has a handy FSA calculator.
Now you’ve got an idea of eligibility and how much you’ve got available, let’s take a closer look at the 10 best FSA-eligible products across a range of medical needs.
10 FSA-eligible items worth checking out
1. Illumine Ultrasonic Scaler – Caring Mill™ by Aura
Dental health is so important. One way to improve and maintain your dental health is to gain the benefit of having professional-grade dental care in your home.
This ultrasonic scaling tool is designed to improve your gum health, removing plaque and tartar, helping to fight back against gum disease. What’s impressive about this is it comes with a high-resolution camera and integrated LED light, so you can see into every corner of your mouth, like a dentist. Except without the cost associated with going to the dentist.
Caring Mill™ by Aura are experts across a wide range of health and dental health products, making life better for millions of people across the country.
Cost: $149.99
2. WHOOP 4.0 Wearable Health & Activity Tracker
Science has long since proven that the best way to improve your health is to monitor it. The WHOOP 4.0 Wearable Health & Activity Tracker is a very effective way to do that, and it can even monitor your metrics when charging, thanks to a wireless charger.
The WHOOP 4.0 device also comes with an initial 12-month Whoop app membership (from $30/month), so you’ll need to subscribe after that to make the most of it.
WHOOP constantly monitors your heart rate, respiratory rate, resting heart rate, heart rate variability, skin temperature, blood oxygen levels, daily activities, and sleep, so you’ve got a much better understanding of your physical health and the progress you’re making on any health improvement journey.
Cost: $239.00
3. La Roche-Posay Effaclar Deep Cleansing Foaming Cream Cleanser
Yes, even certain cosmetics and toiletries can be FSA-eligible, as long as they double as medical treatment (in this case, acne treatment). La Roche-Posay Effaclar Deep Cleansing Foaming Cream Cleanser is a lab-tested foam cleaning facial cream that helps remove excess oil from acne-prone skin. They also make a wide range of other items that are also FSA eligible.
Every La Roche-Posay product is backed by 25 years of innovation, 90,000 dermatologists, and 750+ studies into how to improve skin care.
Cost: $24.99
4. Sharper Image Calming Heat Massaging Weighted Heating Pad, XXL-Wide
This is another one that surprised me! The Sharper Image Calming Heat is a heat pad that includes heat-absorbing clay beads that distribute the warmth evenly across your body. At the same time, you can benefit from a massage setting too, and because of the clay beads, it’s naturally weighted.
It’s a wonderful product that would help a wide range of people, including anyone who suffers from aches or stress.
Cost: $99.99
5. Oura Ring 4
An Oura Ring with the supporting Oura App is a great way to monitor, measure, and help you improve as many as 20 biometric readings.
With an Oura Ring and membership, you gain the benefit of your body’s data turned into actionable insights personalized to your unique needs. This covers everything from your heart rate to stress levels, sleep, activity, fitness, readiness, and women’s health.
An Oura Ring gives you more data and insights as to how to improve your physical health, which makes it worth having.
Cost: Rings start from $349.00 (Silver or Black rings), plus a membership which is $6.99/month or $79.00 /annually after tax.
6. Supergoop! Bright-Eyed 100% Mineral Eye Cream, SPF 40
Get the best of both: make the area around your eyes sparkle, and keep your eye area protected from the sun with SPF 40 (0.5 fl oz.) within this cream. You can also get Lipscreen, which does the same for your lips, and is also FSA eligible.
Cost: $40.00
7. Johnson & Johnson All-Purpose First Aid Kit
You never know when you might need a band-aid, and there’s nothing worse than not having what you need when it’s needed!
This handy first aid kit comes with everything you might need: cleansing wipes, gauze pads, assorted bandages, rolled gauze, antibiotic cream, itch-stopping cream, acetaminophen caplets, instant ice pack, and more. It includes 160 items in total, and it’s a great item to stock up on if you’ve got extra cash to spend in your FSA.
Cost: $29.99
8. Wisp, an OBGYN in your pocket
Trusted by over 1 million women nationwide, Wisp is an on-demand, 24/7 app that you can use to order whatever you need straight away and cover the cost via your FSA account.
Through Wisp, you can order everything from birth control from as little as $5 per month, through to vaginal health items, fertility support, STI treatments, and menopause products. It’s a complete sexual health service for women in your pocket.
Cost: Depends on your purchase. Wisp prices include the provider consult fee.
9. Ease Migraine & Eye Reliever with Compression & Heat — Caring Mill™ by Aura
Migraine and painful headaches can be debilitating and even so bad that they require medical attention.
With this Eye Reliever with Compression & Heat device it uses a rhythmic percussion massage for your eyes, and heat up to 107° F that should relieve the pressure and reduce your headache.
Cost: $199.99
10. GLP-1 weight loss medication
Weight loss is easier with the help of GLP-1 weight loss medication.
The good news is that this medication is now FSA eligible. There are several options for how you can take this medicine: pills, drops, injections, and lozenges.
When you sign up to ShedRx or LifeMD through the FSA Store, you can also benefit from unlimited member support from medically licensed weight loss professionals.
Cost: From $99 (normally $199.99).
(I took all of the prices displayed from the FSA Store website for the lower 48 states.)
It’s worth noting that the products on the site are eligible for General Purpose FSA account holders. There are certain flexible spending accounts that don’t cover every item, and some may be limited to only specific items and/or services. You should always check with your employer and/or FSA administrator to find out exactly what your FSA will cover.