Most Flexible Spending Account funds expire on December 31 – and you can spend your pre-tax dollars on gear from Therabody, Higherdose and other top brands
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If you have a Flexible Spending Account (FSA), the clock is ticking on spending your use-it-or-lose-it funds. The pre-tax account gives you more purchasing ptower when you pay for out-of-pocket healthcare expenses – and the deadline to spend those dollars is December 31.
An FSA is similar to a Health Savings Account (HSA): both can be spent on health-related expenses, but they vary in structure, eligibility and rollover rules. You can make tax-free contributions to both accounts, which saves you a good chunk of change when you pay for any product or service that helps to treat, prevent or alleviate a mental or physical illness or disability. In addition to brick-and-mortar stores, funds can also be spent online, including at FSA Store (which is offering discounts of $25 to $100 off when you spend $300 to $750 or more), Oura, Therabody, Higherdose, Target, Sephora, Ulta and other brands and retailers.
It’s commonly known that you can use FSA and HSA funds on over-the-counter medications, first aid supplies, prescription glasses and contacts, skin care and prenatal supplements. But did you know that you can also use them on fitness and wellness products such as LED light therapy recovery devices, massage guns, protein powders and more?
Whether you’re shopping for yourself or creating a health regimen for your client, keep reading to find out the difference between the two plans and some of the best items you can buy with your soon-to-expire FSA funds.
The difference between HSA and FSA plans
To qualify for an HSA, you must have a high-deductible health plan, while an FSA is like a line of credit. An HSA is owned by you (and you can take it with you if you change jobs) and funds roll over from year to year with no expiration date. An FSA is owned by an employer, and you need to spend your funds by the end of your plan year unless it has a grace period or allows carryovers.
Once you decide which plan is best for you, you’ll get an FSA or HSA card that can be used in store or online. (Just be sure to check with your plan administrator to confirm whether expenses are eligible.) Many brands and online retailers use Truemed to make it easier to spend your FSA dollars – simply select the option to pay through the service, complete a short health assessment survey and make your purchase.
The best HSA/FSA-eligible fitness & wellness products of 2025
Since the clock is ticking on that pre-tax money, we’re rounding up some of the best fitness and wellness products you can buy with FSA or HSA funds. Read on below for our top recommendations, including items on sale such as massagers from Rally and Chirp, supplements from Thorne, red light skin care and recovery devices from Omnilux and more.
Rally Orbital Massager
$424 ($499), $75 off
Kineon Move+ Pro
$359 ($699), 49% off (use code ATN10)
Therabody Mini (3rd Gen)
$159.99 ($219.99), 27% off
Oura Ring 4
$349+
Whoop 4.0
$129 ($199), $70 off
Higherdose Infrared Sauna Blanket
$699 ($559.20), 20% off
Eight Sleep Pod 5 Ultra
$4,648 ($5,348), $700 off
Sans Air Purifier + Water Filter Bundle
$729.98 ($969.98), $240 off
Renpho Eyeris Caligo Eye Massager
$99.99 ($129.99), 23% off
Perelel 1st Trimester Prenatal Pack
$41.14 ($49.95), 30% off first 3 months
Omnilux Contour Face Red Light Therapy Mask
$355.50 ($395), 10% off
Chirp RPM Rolling Powered Massager
$209.99 ($249.99), $40 off
Thorne FiberMend
$42
TheraFlow Foot Massager
$29.99
Peloton Bike
$1,495 ($1,695), 12% off
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