Use Your FSA Before Year-End on These Editor-Tested Wellness Finds
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Here's your friendly reminder to use your FSA (flexible spending account) balance before it's too late. While your HSA (health savings account) funds typically roll over, FSA balances reset at the end of each year—meaning if you don't use them, you lose them—and as we rapidly approach the end of the year, you might not know all the items your FSA dollars can apply to.
Though you've surely used your FSA accounts for doctor visit co-pays and prescription refills, you might be surprised to learn that they also count towards a vast array of wellness items like fitness tech , sleep essentials , and even skincare . So, if you've been waiting to splurge on a massage gun or a new mattress now is the time (especially since these pre-tax dollars will stretch even further on big-ticket items). If your FSA funds are down to their last few dollars, there's ample at-home health essentials like lip balm, sunscreen, and first aid supplies to add to your cart, too.
Our top tip: The FSA Store is handy for browsing eligible items in one place, but many prices are marked up, so I recommend adding to cart elsewhere. Here are a few online retailers that have dedicated FSA- and HSA-eligible storefronts:
Not sure where to start spend your pre-tax dollars? Below, shop our editor-tested and reviewed FSA- and HSA-eligible finds—some may even surprise you.
1) Oura Ring 5 Silver
The Oura Ring continues to be one of my top products of 2026—and it's FSA/HSA-eligible! In case you missed the hype (I gave it a total rave after 365 days of testing ), it's a ring-style wearable that serves as a heart rate monitor, pedometer, sleep tracker, and more. With the help of a connected app, it measures the same metrics as most smartwatches, but in a more discreet, fashion-forward piece of jewelry. It actively improved my sleep and reduced stress in a super-cute package.
2) Colorescience Sunforgettable Total Protection Face Shield Flex SPF 50
Associate Commerce Editor Hannah Jeon swears by this viral sunscreen from Colorescience for its unique tone-matching formula that seamlessly blends into the skin while providing top notch SPF protection. "I've found that it's perfect for busy mornings and no-makeup days when I can't be bothered to go through my entire makeup routine , but still want my skin to look smooth and even with minimal effort. Plus, this sunscreen has also never irritated my dry and sensitive skin," she wrote.
3) EltaMD Daily Peptide Lip Balm, 100% Mineral, SPF 40
It's of my opinion that you can never have too many lip balms, especially during the winter months. One of my favorites to have on hand is this peptide-infused formula from dermatologist-favorite brand EltaMD. Peptides are a skincare super-ingredient for their ability to stimulate collagen production and strengthen the protective skin barrier with their wound-healing, antioxidant, and anti-inflammatory properties. I love that this particular balm also helps plump up my lips as soon as I put it on, making them look fuller while actively healing them from the dry, cold winter air. Even better? It offers gentle mineral sun protection, so it's suitable for my sensitive lips, too.
4) CarePod Humidifier
Anyone who lives in a cold-weather climate knows that a humidifier is essential, but cleaning can often be a huge barrier to use. Not with the CarePod One, though. The 100% stainless steel tank can be cleaned simply by boiling water on the stove or sticking it into the dish washer for a mold-free, easy-breathing experience that requires little-to-no-effort. It's the only one I'll use, and I recommend it to anyone who is resistant to using one because of how simple it is.
5) Weddell Duo Shower Filter
If you're diligent about applying moisturizer but find that your skin and hair is still dry and brittle, the secret culprit could be your water source. "Hard water contains higher concentrations of minerals, particularly calcium and magnesium, which can interact with cleansers and leave residue on the skin," says Marisa Garshick, M.D., F.A.A.D . , a board-certified dermatologist at MDCS: Medical Dermatology and Cosmetic Surgery. But a shower filter can help remove those impurities and keep skin softer. I recommend this option from Weddell, which is easy to install and under $100.
6) Chirp Halo Wireless Muscle Stimulator
These targeted machines are mostly used for recovery from chronic pain or injuries, along with physical therapy—and shopping editor Angel Madison is a huge fan of this particular stimulator from Chirp. She claims that it helped her rehab more efficiently after a major shoulder injury and even impressed her doctor.
7) Coop Sleep Goods Orthopedic Adjustable Pillow
Neck pain keeping you up at night? It might be worth grabbing this adjustable orthopedic pillow from Coop. Associate Commerce Editor, Hannah Jeon, is a diehard fan of the Coop original and its cooling pillow, but for those who sleep on their side or back and need additional support, nothing has worked better for me than this four-pocketed one. Bold claim, but I believe it cured my neck pain after just three months—it just took a little bit of patience to adjust to the perfect level of fill.
8) Hyperice Normatec Pulse 2.0 Leg Recovery System Compression Massage Boots
Runners and walkers, listen up: This portable massage tool uses air compression to help increase circulation in your legs, whether you're sitting at your desk or lying in bed. Simply slip them over your calves, turn the device on from the wireless battery pack, and relax. They're even TSA-approved, which means you can wear them on your next long-haul flight (former commerce editor Christie Calucchia tested a pair and confirmed they're easy to travel with and use at home).
9) Cozy Earth Bamboo Sheet Set
Certain types of bedding qualify as FSA-eligible, including these Cozy Earth bamboo sheets renowned for their cooling feel. I've been using my set for years, and they're still the softest sheets I've ever slept on. As a hot sleeper, I love how they help prevent night sweats, and they hold up well over time—I swear they've gotten even softer after each wash. Trust me, they're worth the splurge.
10) Dr. Scholl's Plantar Fasciitis Pain Relief Orthotic Insoles
Dealing with pesky foot, heel, or arch pain due to the inflammation of the plantar fascia? Try on a pair of these inserts from Dr. Scholl's. In Prevention 's recommendations for the best insoles for plantar fasciitis , this pair of Dr. Scholl's takes the best overall spot for its affordability, contoured heel cup, and special cushioning that absorbs shock.
11) CeraVe Hydrating Facial Cleanser
This is my personal favorite cleanser, especially for those who have dry, mature, and sensitive skin. Its combination of hyaluronic acid and ceramides are a powerhouse ingredient duo that is strong enough to help support the skin barrier (our dermatologist experts have previously called it an "overachiever" for this reason!) but is also gentle enough for daily use.
12) Warby Parker Durand
These best-selling eyeglasses are a great way to use your HSA or FSA funds before the year ends. I'm personally obsessed with the Durand frames from Warby Parker, which are so lightweight and comfortable to wear all day. But Warby Parker also offers at-home try on of up to three pairs at a time, meaning you can try out different styles with different outfits, aesthetics, etc. to best suit your own preferences.
13) Supergoop! Unseen Sunscreen
This oil-free sunscreen is a personal favorite, as well as dermatologist approved. Every time I apply it, I am floored by how transparent it is (not even a hint of a white cast!), and it truly leaves behind no greasy feeling; it feels more like a silky serum than sunscreen. And it soaks in so quickly, I forget it's even on my face until my reapply timer goes off two hours later.
14) Therabody TheraGun Mini
If you've been considering purchasing a massage gun , now is a great time to do it. Not only is this high-tech recovery tool FSA/HSA-eligible, this updated version of the travel-sized Theragun Mini comes with three different attachments for targeted massaging, has three massage speeds, and is small enough to fit in your carry-on with ease. All in all, it's the cream of the crop when it comes to soothing sore and achy muscles.
15) Renpho Smart Scale for Body Weight
This isn't just any old bathroom scale. It measures a lot more than just weight, including muscle mass, body fat, bone mass, body water, and more. Plus, it then connects to a smartphone app that can analyze all those data points over time and present them in an easy-to-digest format, helping you keep track of and make progress towards your goals. It's what my doctor's office uses to help me track everything, and I've been using it regularly since 2019 with ease.
16) Shark CryoGlow LED Face Mask
Plenty of splurge-worthy skincare devices happen to be FSA- and HSA-eligible, like this LED face mask from Shark. It uses a combination of red, blue, and infrared LEDs to help reduce acne and diminish the appearance of fine lines and wrinkles. Just note that you may need a health plan administrator's approval to use your FSA/HSA funds on this product. Freelance writer Mary Honkus wrote, "The well thought-out technology, including the automated treatments and easy-to-use remote, make this one of the most comprehensive red light devices." Adding that no mask had impressed her quite like this one.
17) HigherDose Infrared Sauna Blanket
Infrared sauna blankets are exactly what they sound like: at-home heat therapy devices that mimic the sweat-it-out sensation of sitting in a physical sauna. HigherDose's was dubbed the best overall , as it came recommended from multiple experts. Marylee Marre, F.N.P.-B.C. , a board-certified nurse practitioner at the New York Center for Integrative Health , uses and loves this option. "This blanket utilizes far infrared rays, which helps deliver a deep sweat, and allows your body to eliminate environmental toxins," she says. After testing, contributing writer Michele Ross said, "I ended each session feeling lighter, brighter, and more relaxed than when I started."
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