Hello friends! How are you? I hope your morning started well! We are in full holiday mode here; I’m really trying to finish everything this week. I started baking for the holidays, but everything is gone, lol, so I’m starting over (and keeping some in the freezer in the garage!).
I’m also starting to plan for the new year and 2026 content. I’m so excited about everything that will happen next year!
For today’s post, I wanted to share some tips on how to use FSA and HSA funds before they expire, because I know many of you are also in vacation mode and this may not be on your radar. (We don’t have these accounts, but it’s something I’ll be exploring in the new year since we love wellness essentials and lab tests). I’m also tempted to start this because this is the first thing i would buy.
The reality is that thousands of people leave money on the table every year simply because they aren’t sure what actually qualifies for HSA and FSA spending.
The good news is that there are so many smart, legitimate ways to use these funds to support your health — especially if you focus on prevention, inflammation reduction, hormone balance, and long-term wellness.
I wanted to talk about some of the best ways to use your FSA and HSA funds before they expire, including some of my favorite wellness tools, functional health options, and practical purchases that will actually shape how you feel.
First a quick refresher course: FSA versus HSA
What is the difference between FSA and HSA?
Flexible Spending Accounts (FSA)
– Normally “use it or lose it” towards the end of the year
– Sponsored by the employer
– Covers eligible medical expenses
Health Savings Accounts (HSA)
– Funds roll on from year to year
– Available with high deductible health insurance plans
– Can be used for many of the same eligible expenses
Always check your specific subscription rules, but the categories below are generally eligible.
(A little tip: you can switch Amazon is FSA/HSA eligible)
1. Functional Health Testing (A Huge Opportunity)
One of the best ways to use FSA/HSA dollars is to test, especially if you are experiencing fatigue, inflammation, gut issues, or hormone changes.
Eligible tests may include:
– Food sensitivity testing
– Minerals and heavy metals
– Testing stress, mood and metabolism
– Gut health and microbiome testing
Brands like EquiLife offer a wide range of at-home functional laboratory tests that are often FSA/HSA eligible – and these tests can give you clarity instead of guesswork.
If you plan on “finding out what’s really going on,” this is a smart place to spend that money.
2. Support for detoxification and inflammation
Many people wait until January to set health and wellness goals, but using your FSA/HSA funds now can help you start the new year lighter and less inflamed.
Eligible items may include:
– Detox programs
– Supplements, incl magnesium, melatonin, support the adrenal glands, Omega-3sAnd multivitamins
A structured detox program (such as this one from EquiLife) can be a strategic, compliant way to use money that would otherwise expire, especially if inflammation and bloating are ongoing issues for you.
3. Tools for red light therapy and recovery
This is where people are often surprised.
Many recovery and therapeutic devices qualify for FSA/HSA use if they are designed to support pain relief, inflammation, circulation, or muscle recovery.
Potentially eligible items:
– Red light therapy devices
– Infrared or PEMF recovery tools
– Muscle recovery and pain relief devices (like this one compression boots and this foot massager)
Brands like HigherDOSE create wellness tools that support recovery, circulation, and cellular health, and several of their products are typically eligible through FSA/HSA marketplaces.
If you’re eyeing red light therapy for skin, joint pain or recovery, this could be a very smart year-end purchase.
Here are some of my favorites:
Got pemph. I use this every day for breathwork and meditation, or when I need some energy during computer work. Use FITNESSA15.
The famous sauna blanket! This was a Black Friday gift to myself years ago and I still use it at least once a week for stress relief, great sweats, glowing skin, and a great night’s sleep. Use FITNESSA15.
Red light face mask. I use this every morning while doing chores or multitasking. It gives my skin an amazing glow and I notice a huge difference in the texture of my skin.
Lumebox also accepts FSA/HSA. I use this every day and for so many reasons. For energy, focus, mood, inflammation, skin, aches, muscle pain, fever, everything.
4. Fitness and exercise equipment
Exercise is medicine and certain fitness aids qualify for this.
Commonly eligible items include:
– Resistance bands
– Dumbbells or kettlebells
– Foam rollers
– Balance instruments
– Stability balls
– Massage guns
If you’re building a home workout setup or upgrading what you already have, your FSA/HSA funds can often be used for durable medical or fitness equipment that supports physical health.
5. Sleep support and stress reduction
Sleep and stress management are fundamental to hormones, metabolism and immune health – and many people don’t realize how many tools go into this.
Eligible items may include:
– Sleeping pills and supports
– Glasses that block blue light
– Oura ring. I love this thing!
– Certain relaxation or recovery agents
– Meditation or biofeedback devices
If poor sleep has been sabotaging your energy, this is a great category to explore.
6. Daily health essentials that you will use no matter what
Don’t forget the basics; they add up quickly.
General essentials eligible for FSA/HSA:
– First aid supplies
– A retainer cleaner
– Heating pads or ice packs
– Hand sanitizer
– Thermometers
– My favorite mold-free coffee
– Blood pressure monitors
– Glucose meters (this is him I use and recommend for customers)
– A smart scale
– Sunscreen (yes even this!)
– OTC pain relief and allergy medications
– Prescription sunglasses!!! I love mine so much
Stocking up now can save you money later.
7. Menstrual, hormone and women’s health products
Women often leave many qualifying purchases unused.
Often considered:
– Menstrual products
– Heating pads against cramps
– Ovulation and fertility trackers
– Certain hormone support aids
If you’re focused on hormone balance, this category is worth checking out.
How to Check Eligibility (Quick Tips)
• Look for “FSA/HSA Eligible” labels on product pages
• Use the major FSA/HSA online stores or marketplaces
• Keep the receipts just in case
• If in doubt, ask your subscription manager for advice
Rules may vary slightly, but many wellness brands now clearly mark eligible products.
If you have FSA or HSA funds that are about to expire, here’s your reminder:
Use them to invest in your health; don’t waste them!
Whether it’s functional testing, detox support, recovery tools, or fitness equipment, these purchases can help you feel better now and prepare you for a stronger year ahead.
If you are not sure what has the most impact on your body, I am always happy to think along with you. If you have these accounts and are curious about how you spent your money, share the details with us!
Have a great day and I’ll see you soon!
xo,
Gina
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