FSA Math™: Why pay full price for healthcare expenses you're already paying for? 

Chances are, you're already spending money on things like sunscreen, cold medicine, or contact lenses. If you’re not using FSA funds for them, you're leaving money on the table.  

Let’s break it down. 

Why your FSA dollars are worth more than regular dollars 

An FSA (Flexible Spending Account) lets you use money from your paycheck—before taxes are taken out—to pay for everyday health items, stretching your dollar by roughly 30%.* And if you consider that the average FSA user contributes over $1,000 to their account per year**, that 30% tax advantage can add up to a lot of extra spending power. 

Paying for eligible expenses
Actual spending power
Out of pocket
Gross amount
from paycheck
$1,000
Minus federal, state,
and FICA taxes
−30%
$700
With your FSA
Pre-tax contribution
from paycheck
$1,000
No federal, state,
or FICA taxes
−0%
✓$1,000

Think about it. You effectively “save” when you use your FSA on eligible purchases. No promo codes. No waiting around for a sale. You’re simply using more of your paycheck instead of losing it to taxes.

That’s the “math” behind FSA Math™. 


FSA funds go way beyond doctor visits and prescriptions

The extra spending power that comes with using your FSA isn’t just for doctor visits or medication. 

In reality, thousands of everyday health and wellness products may qualify, including, but not limited to:

  • SPF 15+ sunscreen
  • acne treatments
  • period care products
  • pain relief
  • contact lenses and solution
  • first aid
  • breast pumps
  • thermometers
  • allergy medication
  • sleep apnea treatments
  • therapy and telehealth services


The bottom line: your money is 100% yours to spend when you use your FSA

Using your FSA on eligible healthcare products just makes sense. 

The tax advantage is already there. The funds are already set aside. So why not spend them on the things you’re already buying?  

That’s the value of FSA Math™.


*Tax savings estimates are based on an approximate combined federal, state, and FICA tax rate of ~30%. Your actual savings will vary depending on your individual tax situation. FSA eligibility rules are set by the IRS; always verify eligibility for specific products with your plan administrator

** 2024 FSA User Demographics Survey by VISA.

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