With the end of the year approaching, many people are racing to use up the remaining balance in their flexible spending accounts (FSAs) before the funds expire. FSAs are designed to cover qualified medical and health-related expenses using pre-tax income, but unused money is often forfeited if it is not spent by the deadline. As a result, shoppers are increasingly looking beyond traditional pharmacy staples and discovering that a wide range of beauty and wellness products are also eligible.

While makeup and purely cosmetic items are excluded, many skincare, sun care, and wellness products qualify because they help prevent or treat medical conditions. This includes items that protect the skin from sun damage, manage acne, soothe irritation, or support overall skin health. With just days left for many accounts, these products offer a practical and rewarding way to make the most of FSA funds.

One of the most popular and reliable categories is sunscreen. Broad-spectrum sunscreens that protect against both UVA and UVB rays are considered preventive medical care and are fully FSA eligible. Dermatologists consistently emphasize daily sunscreen use to reduce the risk of skin cancer and premature skin damage, making it one of the smartest purchases you can make with leftover funds. Facial sunscreens, mineral formulas for sensitive skin, and even tinted sunscreens designed for daily wear typically qualify, as long as they meet SPF requirements.

Closely related are moisturizers that include SPF protection. These hybrid products hydrate the skin while shielding it from harmful sun exposure. Because sun protection is the primary function, these products are usually eligible, even if they are marketed as part of a skincare routine. For people with dry or sensitive skin, these moisturizers can help repair the skin barrier while offering daily protection, especially during colder months when skin is more prone to irritation.

Acne treatments are another major category that qualifies under FSA guidelines. Products designed to treat or prevent acne, including cleansers, spot treatments, and masks with active ingredients, are considered medical in nature rather than cosmetic. These items can help reduce inflammation, unclog pores, and prevent future breakouts. Whether you are dealing with occasional blemishes or more persistent acne, FSA-eligible products can support healthier skin without adding extra out-of-pocket costs.

Targeted acne solutions such as hydrocolloid pimple patches are also commonly eligible. These small patches cover blemishes, absorb excess fluid, and protect the area from bacteria and irritation. Because they are intended to treat a specific skin condition, they qualify as medical skincare rather than beauty accessories. They are also relatively affordable, making them a convenient way to use up smaller remaining FSA balances.

Beyond basic treatments, advanced skincare tools have gained popularity among FSA users. LED light therapy devices, for example, are often eligible because they are designed to address specific skin concerns such as acne and inflammation. These devices use controlled wavelengths of light, typically blue or red, to target bacteria, calm redness, or support collagen production. Once limited to dermatology clinics, these tools are now available for at-home use and can be a worthwhile investment for long-term skin health.

Cleansers and exfoliating treatments can also qualify if they are formulated to treat medical skin conditions. Products that help manage acne, reduce oil buildup, or soothe sensitive skin often meet eligibility requirements. Gentle exfoliants designed to prevent clogged pores or treat rough, uneven skin can support overall dermatological health when used as part of a consistent routine.

Hydration-focused products are another area where beauty and medical care overlap. Moisturizers formulated to restore the skin barrier, reduce dryness, and calm irritation are often eligible, particularly when they are recommended for sensitive or compromised skin. Ingredients such as ceramides, glycerin, and hyaluronic acid are commonly found in these products and play a role in maintaining healthy skin function. For individuals prone to eczema or dryness, these moisturizers can be essential daily care items.

Lip care is another often-overlooked category. Medicated lip balms designed to treat severely dry or cracked lips may qualify, especially if they are formulated to relieve pain, prevent infection, or repair damaged skin. In colder climates or dry environments, these products can provide genuine medical benefits rather than just cosmetic enhancement.

Some eye care-related skincare products may also be eligible if they are intended to treat specific conditions such as irritation or dryness. However, eligibility can vary, so it is important to check product descriptions and retailer labeling before purchasing.

Shopping strategically is key when using FSA funds. Many major retailers clearly label products as FSA- or HSA-eligible, making it easier to filter and shop with confidence. Some stores allow customers to pay directly with an FSA debit card at checkout, while others require shoppers to submit receipts for reimbursement later. Keeping documentation is essential in case your plan administrator requests proof of eligibility.

Online marketplaces dedicated to FSA-eligible products can also simplify the process. These platforms curate approved items across skincare, wellness, and personal care categories, reducing the risk of buying something that does not qualify. For those short on time, these sites offer a straightforward way to spend remaining funds before the deadline.

As year-end approaches, many people realize they still have money left in their FSA accounts. Instead of letting those funds go to waste, investing in eligible beauty and wellness products can support long-term health while feeling like a personal upgrade. From daily sunscreen and acne treatments to advanced skincare devices and barrier-repair moisturizers, there are plenty of practical options that combine health benefits with everyday use.

Ultimately, using your FSA on qualified beauty and wellness products is about making thoughtful choices that support your health beyond the calendar year. With deadlines looming, now is the time to review your balance, check eligibility, and put those pre-tax dollars to work before they disappear.