Spend Your FSA Funds ASAP: The FSA Grace Period Ends March 15th
- February 24, 2026
March 15 is the last day of the 2025 FSA (flexible savings account) grace period. Don’t miss out on unused funds in your FSA! You can use your funds on sleep apnea devices at Apria Direct. Not sure what the FSA deadline means for you and your healthcare expenses, we’ll break it down below.
At ApriaDirect, we understand the importance of maximizing your FSA dollars. That's why we want to highlight the grace period you may have available. Instead of losing all FSA funds at the end of the year, some FSA account holders have a 2.5-month grace period. If that applies to you, you must "use or lose'' your FSA dollars before March 15!
Make the Most of Your FSA Dollars Before March 15
As the grace period draws to a close, check your FSA balance and your plan's specific deadlines. Whether you need a travel CPAP unit, a cleaning device, or new CPAP supplies, now is the time to put your FSA dollars to use.
Here's the good news: Apria Direct offers a wide variety of FSA-eligible products, including CPAP units, POCs, and mobility aids! By leveraging your FSA dollars on our products, you invest in your health and maximize your FSA's benefits.
Here are some great examples of FSA eligible products on ApriaDirect::
Understanding FSA Terms
While researching FSAs, you may come across terms like grace period, run-out, and carryover. We’re here to help you cut through the confusion. Here's an overview of their definitions:
Grace Period:
If your account offers a grace period, you will have extra time to use your remaining FSA balance. Typically, you can use these funds for eligible expenses until March 15 of the new year. (That’s coming up quickly - so don’t wait to spend your funds!) This extension can be a lifesaver if you find yourself with unspent funds at the end of the year. Not sure what to buy? Most CPAP supplies and accessories are eligible.
Run-out Period:
The run-out period offers extra time to file claims for expenses you incurred during the previous year. The run-out period is different from the grace period because it's related to what you've already spent. This period usually extends until March 31 of the following year. If you made eligible purchases last year that you didn’t claim, take advantage of the run-out period to ensure you don't forfeit unused funds.
Carryover:
Some employers offer a combination of a run-out period and carryover. This means you not only have extra time to file claims but also have the option to carry over a portion of your unused funds into the following year, typically up to $660.
Account Policies Vary - Be Sure to Verify
It’s important to remember that accounts vary, and not every account holder has the same grace period or carryover rules. Be sure to verify the specifics of your plan.
Is there an HSA Deadline?
Health Savings Accounts (or HSAs) are exclusively available to individuals enrolled in high-deductible health plans. FSAs have deadlines to use available funds, whereas HSAs accumulate over time and do not expire. Moreover, HSAs offer investment options. You can transfer these funds if you switch jobs, although further contributions to the same account are not permitted.
Use Your FSA Funds at ApriaDirect
Navigating the ins and outs of your FSA doesn't have to be confusing. Understanding your account's year-end spending rules and deadlines will help you to make informed decisions about your healthcare expenses.
As you plan your year-end purchases, remember that you can use your FSA dollars on CPAP equipment and accessories, as well as POCs and mobility aids. Most travel CPAP units are also eligible. Whether taking advantage of the grace period, utilizing the run-out period, or enjoying the carryover benefits, we're here to help you make the most of your FSA dollars.
Don't let your FSA funds go to waste. Invest in your health today by using your funds on a new CPAP machine or other supplies, like the AirMini travel battery. Contact our team if you need guidance. Just make sure to do so ASAP, as your funds expire on March 15.
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