The end of the year is rapidly approaching, which means if you've got a health care flexible spending account (FSA), you're likely looking for ways to spend your remaining FSA funds before December 31. Luckily, there are hundreds of ways you can spend your hard-earned money without feeling like it's going to waste (or worrying about how you'll work your way through 400 boxes of Kleenex).
As you search through your favorite retailer, you'll likely see a disclaimer on the product that says it's "FSA-eligible." These can include OTC medications (perfect for cold and flu season), fitness gear, prescription glasses and contacts, tampons, sunscreens and even lip balms.
Shop the Amazon FSA Store
Even better: If you're an Amazon shopper, there's an entire
FSA store loaded with all FSA-eligible products, eliminating the hassle of opening up dozens of products at the same time to see if they're eligible or not.
Here are our editor's favorite ways you can spend your remaining FSA dollars right now, whether you're shopping for yourself, your family or creating care packages for local shelters that could always use extra health supplies.
Stock up on skincare essentials
Some of the best skincare brands out there are fair game for your FSA funds, including Clinique, La Roche-Posay, First Aid Beauty and EltaMD. Dermstore has a robust list of its FSA-eligible skincare products, including anti-wrinkle serums, sunscreens, vitamin C, moisturizers, peptides, face peels and red-light masks. Amazon's FSA-eligible storefront is equally stocked with Aquaphor, Blistex, CeraVe, Vaseline, Neutrogena and Aveeno.
First Aid Beauty Ultra Repair Cream
This tub of repair cream is one of the best moisturizers on the market. It's excellent for those who have dry skin, eczema, red patches, or rosacea. I keep a bottle of this stocked in my vanity at all times, especially as we head into the dry season.
$35 at Amazon
Nutrafol Women's Balance
Nutrafol recently announced that its extremely popular hair growth supplements were FSA-eligible. You can sign up for a one-, three- or six-month supply directly from Nutrafol, or seek individual bottles on Amazon.
$88 at Amazon
Touchland Hand Sanitizer
This five-pack of hand sanitizer may seem like an odd choice, but it's an extremely trendy brand that got its start during the COVID era. The individual packaging makes it an excellent option for a stocking stuffer or small gift for anyone you've got on your list.
$45 at Amazon
La Roche-Posay Toleraine Double Repair Face
La Roche-Posay is the only brand my dermatologist recommends for my dry, rosacea-prone skin. It's perfect for sensitive skin and keeps it moisturized all day without causing flare-ups or oily spots.
$25 at Amazon
EltaMD UV Clear Face Sunscreen
If you want the cream-of-the-crop sunscreen, you can't beat EltaMD, especially if you've got sensitive skin. This ultra-powerful sunscreen doubles as a moisturizer and keeps your skin protected without drying it out.
$46 at Amazon
Splurge on those fancy wellness trackers
Been eyeing an Oura Ring or smartwatch? You can use your FSA funds on a huge number of fitness trackers and wellness gear, whether you're shopping at Amazon, Best Buy, Target or the FSA store itself. Red-light LED face masks count here too, especially if you're looking for a solid solution to help fight acne or rosacea.
Google Fitbit Air
This sleek fitness tracker is simple, light, and AI-powered, meaning you can get the most up-to-date fitness recommendations without needing an extremely expensive smartwatch to boot. You can shop it across four colors, all of which are FSA-eligible.
$100 at Amazon
Oura Ring 5
The Oura Ring 5 is one of the most popular smart wearables on the market right now. It tracks your sleep, stress levels, fitness levels, and all manner of biometrics to give you a wholistic view of your health. It's FSA-eligible, so if you've got a good amount of money to spend, this is an excellent way to do so.
$399 at Amazon
Withings Body Scan
This smart scale was named one of the best tech products of 2026 by our editors. It's a scale that will read the composition of your entire body, highlighting your heart rate, visceral fat levels, and more. It's high-end, but if you've got FSA money to burn, it could be a good addition to your bathroom.
$369 at Amazon
Get new glasses or contacts
Your insurance will cover a new pair of glasses every year, but if you enjoy having multiple pairs (or want new contacts), you can use any excess FSA funds to shop for new glasses. A few of our favorite online glasses retailers include Zenni, GlassesUSA and Warby Parker, while Hubble and 1-800 Contacts are excellent options for contacts.
Zenni
Zenni has hundreds of frames in all sizes, colors, and designs. It's an excellent place to stock up on a budget, and if you're using FSA funds, you can probably get more than one pair without drying out your account.
Shop glasses at Zenni
GlassesUSA
GlassesUSA is another excellent, budget-friendly glasses shop. It carries colorful, bold, and high-quality frames that are extremely easy to order and customize.
Shop at GlassesUSA
Warby Parker
When it comes to quality, you can't beat Warby Parker. They consistently rank at the top of online glasses retailers lists, and once you shop your first pair, it's not hard to see why. If you want to spend your FSA funds on just one pair of glasses, Warby Parker is the way to go.
Shop at Warby Parker
Hubble Contacts
Hubble Contacts are extremely popular among shoppers, and if you've been looking to give them a try, you can score the SkyHy by Hubble Daily Contact Lenses for just $3 per eye (for a 10-day starter pack) right now. They're FSA-eligible, so you can use your funds to stock up without needing to blow through the whole thing.
Get contacts at Hubble
1800 Contacts
If you've already got a contact lens brand you're loyal to, shopping at 1800 Contacts may be your best bet. The brand carries all the top brands and offers a 20% discount on first orders (and you can pay for it all with your FSA).
Shop 1800 Contacts
Load up on pain relievers, cold medicine
Cold and flu season came early this year, and if you're already going through boxes of Mucinex like I am at my house, it's an excellent option for your FSA funds. You can shop at your local pharmacy or grocery store, or take advantage of quick Amazon shopping and load up your cart online.
MucinexDM
MucinexDM is always, always stocked in my house, especially in the fall and winter. If you find yourself prone to respiratory infections or viruses, your FSA funds would be well-spent stocking up on Mucinex.
$33 at Amazon
Theraflu
There's no cure for the flu, but over-the-counter meds like Theraflu can help relieve those icky symptoms if you find yourself down for the count. This two-pack has daytime and nighttime relief for under $22.
$22 at Amazon
Extra-Strength Tylenol
There's no such thing as too much Tylenol. We always have a bottle handy at my house, and if you want to stock up, using your FSA funds to do so is a great choice.
$23 at Amazon
Stock up the bathroom cabinets
Hygiene products can quickly add up, especially if you're having to stock up every month. Whether you're shopping for yourself or loading up your college kid's cabinets, FSA funds are well spent on things like tampons, pads, eyedrops, first aid kits and Band-Aids.
Tampax Tampons
Ask any tampon user and we'll be quick to tell you: Tampons are expensive and it sucks. Using your FSA to stock up at the end of the year is a great way to whittle down an all-year expense and stock up for the next year.
$12 at Amazon
Always Panty Liners
Panty Liners are another feminine hygiene product that's FSA-eligible, and right now, this 162-count pack is only $9 at Amazon.
$9 at Amazon
Opti-Free Replenish Contact Lens Solution
If you're a contact lens wearer, you can pay for your solution with FSA funds, including this two-pack of 10-ounce bottles that have nearly 30,000 Amazon reviews.
$18 at Amazon
Travel First-Aid Kit
This adorable travel first-aid kit is great for keeping in your car, your child's backpack, or under your sink for quick fixes. It's FSA-eligible and, luckily, really adorable.
$36 at Amazon
Create a care package for a shelter
If you're feeling charitable this season, local shelters always need health supplies that are covered by FSA funds. Speak with your local shelter to find out what they specifically need, but they typically ask for toothbrushes, deodorant, soap, shampoo, tampons, pads, diapers and wipes.
Always FlexFoam Pads
Pads (and all manner of feminine hygiene products) are in high demand across shelters, so if you're prepping a package for others this season, pads are an excellent, FSA-eligible addition.
$13 at Amazon
Band-Aids, 100 Count
Shelters always have a use for Band-Aids. They're individually wrapped, easy to distribute, and extremely helpful for those who are getting medical aid. Stock up on Band-Aids for your care package or opt for a full first-aid kit or two.
$9 at Amazon
Nimbus 5-Pack Toothbrushes
You can pick any kind of toothbrush for your package, but I like this bundle, which has five separate, individually wrapped toothbrushes that are better for distributing among shelter members who need them.
$19 at Amazon
4-Pack Degree Deodorant
Any multipack of deodorant is a dream for shelters. Degree is one of the biggest names in the game, and this four-pack is only $14 right now with the on-page coupon (and it's FSA-eligible!).
$14 at Amazon
Pampers Swaddlers
Like tampons, diapers are extremely expensive -- and necessary for a good portion of the population. When shelters receive parents or babies, diapers are crucial, and often under-donated. They're FSA-eligible and an excellent addition to your donation package.
$50 at Amazon
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This article originally appeared on USA TODAY: 25 genius ways to spend your remaining FSA dollars for 2026
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