The year is almost over, and if you have a Flexible Spending Account or a Health Savings account, now is the time to check your balance and make sure no health dollars go to waste.

Although these accounts can help you save significantly on medical expenses, they do operate a little differently.

FSA: 'Use it or Lose It' by Dec. 31

FSA funds do not roll over to the next year, and most funds expire on Dec. 31. While some employers offer a grace period until March 15, 2026, most do not.

Experts found that U.S. families forfeit an average of $441 in unused FSA funds back to their employers each year simply by not spending the money in time.

What to do now:

Log in and check your balance.

Schedule any overdue doctor or dental appointments

Stock up on FSA-eligible products, which include

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