Which FSA rule is yours?

Four quick questions to find out what happens to your unused balance on the last day.

Q1: Does your plan say “carryover”?

Yes: up to $680 can move into 2027, or less if your plan sets a lower cap.

Q2: Does it say “grace period”?

Yes: you get extra time, up to March 15, 2027 on a calendar plan, to use the 2026 money.

Neither one?

Then unspent money is generally forfeited. Spend it only on care you were going to need anyway.

Q3: When are the dates?

Write down the last day to receive care and the last day to submit claims. They can differ.

Q4: How much for 2027?

Elect what you can name from last year’s receipts. The maximum is a ceiling, not a target.

Get the full walkthrough

Worked examples and a year-end checklist. General education, not benefits advice.