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The original was posted on /r/tifu by /u/eenertv on 2026-01-16 19:45:32+00:00.
So today I realized that last year, 2025, I put around $2000 into an FSA (or as its called on my company's website a health care spending account). Furthermore, I realized that this account is a use it or lose it situation where any unspent money is forfeited after the year is over, with maybe a 2.5 month grace period into this year. Now, I'm a relatively healthy guy only going for around one dentist and maybe two eye doctor visits per year, so the costs of last year don't reach anywhere near the $2000 mark. And, my insurance covers my eye doctor/dentist visits so I don't have any copays.
Here's the FU: I thought I was putting money into an HSA which DOES carry over year-to-year instead and didn't know this account was an FSA. And since I have a high deductible health care plan, the FSA can ONLY be spent on vision and dental. So now, here I am calling my insurance provider asking any way to spend this money so that it doesn't go up in flames. If anyone has ideas on how I can spend a limited purpose FSA let me know!
TL;DR: Put $2000 into an account that expired at the end of last year and don't have anything to spend it on before it goes away! ALWAYS READ THE FINE PRINT FROM YOUR INSURANCE PLANS.