FSA Deadline 2025: What to Buy Before December 31

FSA Deadline 2025: What to Buy Before December 31

The clock is ticking. If you have a Flexible Spending Account (FSA), December 31, 2025 is the last day to use your remaining funds — or risk losing them forever. For people managing diabetes, this deadline is actually an incredible opportunity to stock up on essential supplies, medications, and tools using pre-tax dollars. Here's everything you need to know to spend smart before time runs out.

What Is an FSA and Why Does the Deadline Matter?

A Flexible Spending Account (FSA) is an employer-sponsored benefit that allows you to set aside pre-tax money for qualified medical expenses. The catch? Most FSA plans operate on a "use it or lose it" basis. Any unspent funds at the end of the plan year — typically December 31 — are forfeited back to your employer. Some plans offer a grace period or allow a small rollover (up to $640 in 2025), but many do not. Check your plan details immediately.

Top Diabetes-Related FSA Purchases to Make Before December 31

1. Continuous Glucose Monitors (CGMs)

CGMs are fully FSA-eligible and can be one of the most valuable purchases you make. Devices like the Dexcom G7, FreeStyle Libre, and Medtronic CGMs can be purchased with FSA funds. If you've been on the fence about upgrading your device, now is the perfect time.

2. Blood Glucose Meters and Test Strips

Traditional glucose meters and their accompanying test strips are 100% FSA-eligible. Stock up on several months' worth of test strips before year-end so you're covered well into 2026.

3. Insulin and Diabetes Medications

Insulin and other prescription diabetes medications qualify for FSA reimbursement. If your doctor has authorized refills, filling them before December 31 is a smart use of remaining funds.

4. Lancets and Lancing Devices

These small but essential items are FSA-eligible and easy to overlook. Buying in bulk now saves both money and future out-of-pocket expenses.

5. Insulin Pump Supplies

Infusion sets, reservoirs, and other insulin pump accessories are covered under FSA guidelines. If you use a pump, this is an excellent time to replenish your supply inventory.

6. Diabetic Socks and Footwear

Therapeutic diabetic socks and some specialized footwear prescribed for diabetes-related foot complications can qualify as FSA-eligible expenses. Always verify with your FSA administrator.

7. Ketone Testing Supplies

Urine or blood ketone testing strips and meters are FSA-eligible and especially important for those managing Type 1 diabetes.

8. Diabetes Education Programs

Certified Diabetes Care and Education Specialist (CDCES) programs and structured diabetes education courses often qualify for FSA reimbursement. Investing in education is investing in your long-term health.

Where to Shop for Diabetes Supplies with Your FSA

Many major pharmacies and online retailers accept FSA cards directly. For specialized diabetes supplies and expert guidance on what's available, visiting a dedicated resource like mdsdiabetes.com can help you identify high-quality products that fit your needs and FSA eligibility requirements.

Pro Tips for Using Your FSA Before the Deadline

• Check your balance today: Log into your FSA portal or call your benefits administrator to confirm your remaining balance.
• Review your plan's grace period: Some plans offer a 2.5-month grace period extending into March 2026.
• Keep all receipts: Save documentation for every FSA purchase in case of an audit.
• Don't over-purchase perishables: Only buy what you'll realistically use within a reasonable timeframe.
• Schedule appointments now: Dental, vision, and medical visits before December 31 can count toward your FSA.

Don't Leave Money on the Table

For diabetes patients, FSA funds can cover hundreds or even thousands of dollars in necessary supplies each year. The December 31, 2025 deadline is approaching fast. Take inventory of your diabetes management needs, check your FSA balance, and make those purchases count. Your health — and your wallet — will thank you.