FSA vs HSA: Use Your Benefits for Chiropractic Care Before They Expire

As the year comes to a close, many patients ask me about using their FSA (Flexible Spending Account) or HSA (Health Savings Account) for chiropractic services. If you’re not sure about the difference between the two, or how to maximize your benefits, this guide breaks it down in simple terms — and explains how you can use these accounts to support your health and wellness.

What is an FSA (Flexible Spending Account)?

Offered by many employers as part of a benefits package.
Pre-tax money is set aside for healthcare expenses.
“Use it or lose it”: most FSAs expire at the end of the year (usually December 31).
Eligible expenses include chiropractic care, physical therapy, acupuncture, and other medical services.

👉 If you have an FSA, make sure to schedule your chiropractic appointments before the end of the year so you don’t lose those dollars.

What is an HSA (Health Savings Account)?

Available if you’re enrolled in a high-deductible health plan (HDHP).
Also funded with pre-tax dollars, but unlike an FSA, the balance rolls over year to year.
Can be invested and grow over time.
Eligible expenses also include chiropractic visits, rehab, massage therapy prescribed by a physician, and other medical care.

👉 HSAs don’t expire, but using your funds for chiropractic care now helps you reduce pain, improve posture, and stay active.

How Chiropractic Care Fits In

Both HSA and FSA accounts cover chiropractic services. That means you can use your funds to:

Treat back pain, neck pain, or headaches.
Address posture issues from sitting, driving, or working at a desk.
Support recovery from sports injuries.
Improve flexibility, mobility, and overall wellness.

Whether you’re managing chronic lower back pain, recovering from an injury, or simply want to feel and move better, your FSA or HSA can help cover the cost of care.

Don’t Forget About Year-End Deadlines

If you have an FSA, remember: your balance likely expires at the end of December. Once the year is over, any unused funds are gone.

👉 The best way to maximize your benefits: schedule your chiropractic visit before the year ends.

Holiday Gift Option 🎁

Another way to use your funds is by purchasing a chiropractic gift card. This makes a meaningful holiday gift for loved ones — giving them the opportunity to experience pain relief, stress reduction, and improved mobility.