How much money would you put in your traditional FSA? We can put in up to $3,300 and rollover max $550. I already used up all my FSA this year but only put around $650. It can be used for medical (specialist, therapy, illness, prescription medicine), dental (retainers, fillings, dental work), and vision expenses (glasses, contacts, vision exam) along with the FSA store since our health plan is not an HDHP.

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Since it’s use it or lose it, I would be conservative. Do you have known medical bills? Will the same $600 you spent this year, repeat again? I max my FSA but I have therapy expenses that I know about and can plan for.

Think about whether those services will in or out of network and what your healthcare deductible is. I think that therapy is covered by most insurance but a lot of therapists are out of network. If you find one that you like that’s in network, you can save a lot of money.

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