What happens to unused money in my account?

HCFSAs are “use or lose” accounts. This means that at the end of your plan year, the funds remaining in your account may be forfeited and returned to your employer's plan. Learn what employers can do with unused HCFSA funds 

If your employer has elected a carryover provision, you may be able to carry over up to $640 unused HCFSA contributions into the 2025 plan year.

If your employer has elected a grace period, you will have 2.5 months following the end of your plan year to incur HCFSA claims for the previous plan year’s account balance.

Your plan may include a runoff period that allows you to file claims for the previous plan year’s expenses. However, these expenses must have been incurred during the plan year or grace period (if applicable).

To view your specific plan details, log in to your online account and select the account name from the home dashboard. 

View Reimbursement Account Details 

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