Use Your HSA or FSA Before It Expires: Smart Shopping Guide
Each year, millions of dollars in Flexible Spending Account (FSA) and Health Savings Account (HSA) funds go unused, and many plans have “use it or lose it” rules. That means if you don’t spend your balance before the deadline, you could lose those pre-tax dollars for good.
If you’re wondering what to buy with expiring FSA/HSA funds, the good news is that accessible clothing qualifies as an eligible expense At Joe & Bella, all of our apparel and accessories are FSA and HSA-approved items, making it easier to spend down your account balance on products that support health, safety, and daily living.
Why You Should Spend FSA/HSA Funds Before the Deadline
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Use It or Lose It Rule: Most FSA plans require you to spend your balance by December 31. Some offer a short grace period, but unused funds are often forfeited.
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HSA Funds Carry Over. But, unlike FSAs, HSAs typically roll over year-to-year. Still, it’s smart to use your balance strategically to invest in products that support your health long-term.
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Maximize Pre-Tax Savings: FSA/HSA funds are set aside tax-free, meaning your money goes further. Every eligible purchase is like an instant discount.
What Can You Buy with Expiring HSA/FSA Funds?
Here are some of the best FSA/HSA-eligible items for comfort, recovery, and everyday living:
Adaptive Post-Surgery Clothing
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Magnetic Button Shirts – make dressing easier after surgery or with limited mobility.
👉 Shop Magnetic Shirts
- Adaptive Pants - CareZips® Adaptive Pants – feature three zippers for quick medical access, ideal for recovery or assisted living. Everyday Side Zip Pants are more fashion-forward with two discrete side zippers.
👉 Shop CareZips® Pants
👉 Shop Men's Adaptive Pants
👉 Shop Women's Adaptive Pants
Adaptive Outerwear & Layering Pieces
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Sweatshirts, Sweaters, and Cardigans – designed with magnetic-latching zippers that can be used with one hand along with premium fabric, these will keep you warm while making dressing stress-free.
👉 Shop Adaptive Outerwear
Socks and Footwear Essentials
- Gripper Socks – non-slip socks that help prevent falls, a must-have for hospital stays.
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Compression Socks with Grips – support circulation after surgery or for conditions like arthritis or lymphedema.
👉 Shop Adaptive Socks
Adaptive Clothes for Women and Men
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There’s a large range of adaptive clothing items that make dressing easier, whether you need an easier way to get dressed or just want a more convenient addition to your routine. Adaptive clothing is as fashionable as it is functional.
👉 Shop Adaptive Clothes for Women
👉 Shop Adaptive Clothes for Men
How to Use Your HSA/FSA Funds at Joe & Bella
Shopping with pre-tax dollars is simple:
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Browse our FSA/HSA Collection.
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Add eligible items to your cart.
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At checkout, select Flex | Pay with HSA/FSA.
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Enter your card details and receive an itemized receipt by email for reimbursement.
Final Thoughts
Don’t let your FSA or HSA funds expire unused. Investing in adaptive apparel ensures your dollars go toward products that make daily living easier, safer, and more dignified. From magnetic shirts and adaptive pants to sweaters, cardigans, and gripper socks, Joe & Bella offers a wide range of FSA/HSA-eligible products designed with comfort and recovery in mind.
👉 Start Shopping FSA/HSA Clothing Today
Joe & Bella's Adaptive Apparel Collections:
Men's Adaptive Clothing | Women's Adaptive Clothing | Men's Adaptive Shirts | Women’s Adaptive Shirts | Men's Adaptive Pants | Women’s Adaptive Pants | Gripper Socks | Side Zipper Pants | Compression Socks | Best Adaptive Clothing | Adaptive Apparel
