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End of the Year Planning: Spending your FSA/HSA Dollars

 'tis the season.  ...the end of year FSA/HSA Spend season!  

If you are fortunate enough to have an FSA or HSA, you may be rounding to the end of the year in a 'use it or loose it' situation.  ...and no one should loose it.  There are too many things you can either stock up on (hello, contact lens cleaner!) or items that-as surprising as it is-are FSA/HSA Eligible.   

At this stage in the game, I probably don't need to explain the stock up game-heck, even Amazon has an FSA/HSA 'section' of their website.  But, it the past year, I have come across some not-so-obvious products that qualify for FSA/HSA purchases, and they're all worth sharing.  In every instance, the process is the same:  Add the product to your online cart, Select HSA/FSA at Checkout, answer a few questions about your health, wait for approval to then pay with your HSA/FSA card.  That's it.  

Please note, I'm not suggesting you lie about your health.  I'm simply wanting to highlight some off the beaten path products that are available-and may actually be beneficial to your health-even if the benefit isn't screamingly obvious (like contact lens cleaner). :)  When in doubt, consult with your healthcare professional first!  With those disclaimers being said, here are three 'I had no idea' FSA/HSA eligible products you can investigate this year:

Cat Litter Robot

Litter-Robot by Whisker has been shouting at me for a year about their FSA/HSA eligible product (low dust emission-good if you have asthma), and as crazy as it sounds...the asthma breather that I am.. believes them!  We owned a 1st gen Litter Robot about 10 years ago, and it was amazing.  In hindsight, there was less dust than a standard litter box day to day, and due to the manner in which the robot works-and how you clean, there was less dust when doing a weekly clean as well.  It's not a cheap purchase, but if you legit suffer from asthma, lower back problems, or a host of other issues, this might be something to consider!

Bidet Toilet Seat

I discovered this little gem December 2024 when my husband and I finally decided to bite the bullet and splurge on a bidet toilet seat from Bidet King. I won't lie:  When I first saw that this product was FSA/HSA eligible, I thought it was too good to be true..and it wasn't.  The process outlined above (add to cart, select HSA/FSA, answer some questions...and wait a wee bit is all it took.  I did eventually have to provide a receipt from the purchase to my FSA provider, but Bidet King had that to hand as part of the transaction, so it was easy peasy.  Again...check the list of medical needs to see if you qualify...but if you do, your tushy will thank you for it every day!

Flaus Electric Tooth Flosser

I only discovered this little gem today (prompting my decision to write this post).  I've known of Flaus for  about six months, but haven't yet pulled the trigger, as I'm still debating the pros & cons.  But, since I  just discovered that it too is HSA/FSA eligible, that's one pretty big tick box in the YES column!  

If I've done my job with my previous posts, I should also mention that the FSA/HSA savings is one of many options on each of these products.  For example, Flaus is $20 cheaper right now, plus, I've found a browser extension coupon for a 10% discount. So, this (normally) $119 product on sale for $99, will ultimately cost me about $69 out of pocket by the time I factor in the tax liability savings (assuming a 20% tax bracket), and the 10% cash back on the $99 purchase price.  From $119 to $69 is a game I will play all day every day.

What about you?  Have you found any surprise products over the years that qualify for HSA/FSA?  Drop a note in the comments below!  I'm always on the lookout for more savings to be had!

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