Left the firm last week, do I still have access to HSA and FSA money? If so, when do I need to spend it by? Anyone knows? I called the helpline but they are for sure no help.

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HSA yes

HSA, yes. That is in a separate bank account that you own. It can still only be used for medical related expenses else you have to pay the tax penalty. FSA, I’m not sure how they handle since it’s in a third party managed account and has to be used in the current calendar year

You likely have until the end of the month to spend your FSA, since it will expire with your insurance (as long as your last day with the firm was in Jan, you should have insurance through Jan 31)

My HSA funds were available long after leaving, however, I began to get charged a fee that I can only assume was being paid by the previous insurance plan

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