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If you have unspent money in your health-care flexible spending account, now's the time to make a plan to use it before you lose it. 

Health-care FSAs let workers stash away pretax dollars for qualifying expenses. However, they generally are "use-it-or-lose-it" accounts: Unless your company provides a grace period or lets you carry over some funds into the next year, the standard deadline to spend the money is Dec.

31 of the year in which you make the contributions.

The good news is that even if you don't have medical needs to spend the funds on — i.e., doctor's appointments or prescription drugs — an estimated $1,600 is spent by households each year on health care products that could otherwise be purchased using FSA dollars, according to FSAStore.com. This means it's likely you'd find a way to spend the money on things you'd end up buying anyway.

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"We urge all FSA users to check their balance today and make plans for spending their remaining funds before time runs out," said Shawna Hausman, chief marketing officer of Health-E Commerce, parent company of FSAStore.

The contribution limit to FSAs this year was $2,850, and in 2023 will be $3,050.

Even with carryover or grace period, forfeitures happen

About a third of companies, 36%, provide a 2.5-month grace period to spend the money, and 42% allow you to roll over a limited amount to the next year, according to the Employee Benefit Research Institute. At the remaining 23% of companies, you forfeit funds remaining in your account after Dec. 31.

However, being allowed to roll over funds — a limit of $570 this year — or getting a grace period does not necessarily translate into avoiding forfeiture.

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Among workers who are allowed to roll over money, 49% end up forfeiting all or part of it, according to EBRI. For those with a grace period, that share is 37%. Additionally, 48% with a traditional Dec. 31 deadline forfeit money, as well, EBRI has found.

 "Account holders are at risk of forfeiting an estimated $1 billion … to the Dec. 31 deadline," Hausman said.

A variety of products qualify for FSA money

The list of eligible expenses that qualify for FSA money is longer than it once was, due to congressional action in 2020. For starters, over-the-counter drugs no longer need a prescription to qualify. This includes things such as cold medicines, anti-inflammatories and allergy medicine.

Additionally, menstrual care products are now eligible, as are items that have become pertinent during the pandemic: at-home Covid tests, masks, hand sanitizer and other personal protection equipment used to combat the virus.

Other products that qualify include sunscreen, thermometers, eyecare products, baby monitors and pregnancy tests. FSAstore.com has a list of eligible items if you are uncertain whether something would qualify.

Be aware that the IRS does not allow stockpiling, which generally means you can't buy more of a product at one time than you can use in that tax year. The specifics, though, are determined by FSA administrators.

If you're uncertain what the rules are for your FSA, reach out to your company's human resources department. Alternatively, you can check your online FSA portal (if your company has one) for information. There also should be a phone number on the back of your FSA debit card that you can call.

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Tags: health care products to spend the money list of eligible to the next year a grace period that qualify your company an estimated according companies health care

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UFC Orlando: Rafael dos Anjos submits Bryan Barberena and calls out Conor McGregor

UFC Orlando: Rafael dos Anjos submitted Bryan Barberena.

Rafael dos Anjos defeated Bryan Barberena via submission (rear-naked choke), Round 2 – 3:20 at UFC 281 on Saturday, Dec. 3, 2022, live from the Amway Center, Orlando, FL.

“Seven years ago, I defended my title against Donald Cerrone in this building. On the undercard were Francis Ngannou and Kamaru Usman. I think I have earned the right to call someone out. Conor McGregor seven years ago we were supposed to fight, and I broke my foot,” said dos Anjos who continued with his call out of McGregor but the microphone cut out, making it difficult to hear what he was saying.

RDA GETS IT DONE!!@RdosAnjosMMA earns his 21st victory inside the Octagon with a 2nd round sub against Bryan Barberena ???? pic.twitter.com/CpRMbhxkLP

— UFC (@ufc) December 4, 2022

The two fighters opened with a flurry of activity. Barberena and dos Anjos traded strikes and kicks before tying up in a clinch. Dos Anjos was able to bring Barberena to the ground and went for an arm-triangle choke. The fence prevented dos Anjos from getting proper positioning to apply the choke with as much pressure as possible. Dos Anjos released the choke and started landing powerful strikes. Barberena struggled to off of his back. Eventually, Barberena made his way back up to a knee but the round concluded with dos Anjos in a dominant positioning.

Barberena was aggressive coming out of his corner. Dos Anjos was able to engage in a clinch and change the pace of the fight. Dos Anjos went for a takedown and eventually got Barberena down to the ground. Barberena got back to the ground but dos Anjos tripped him and got side control. Dos Anjos went for an armbar. In his attempt to defend the submission, Barberena allowed dos Anjos to transition and take Barberena’s back. Dos Anjos got both of his hooks in and locked in a rear-naked choke. In addition to the choke, dos Anjos started cranking Barberena’s neck, forcing him to tap out.

RDA looking to re-ignite the rivalry with Conor McGregor after his #UFCOrlando victory ???? pic.twitter.com/MqdbzojF7K

— UFC (@ufc) December 4, 2022

Barberena entered Orlando on the best run since joining the UFC, winning three straight fights. In addition to winning three in a row, Barberena picked up three Fight of the Night bonuses in his last four fights. Barberena knocked out former welterweight champion Robbie Lawler in his last fight at UFC 276.

Doing his lil dancy dance ????

[ @Bryan_Barberena | #UFCOrlando ] pic.twitter.com/9qRxXoSSAp

— UFC (@ufc) December 4, 2022

Dos Anjos returned to welterweight on Saturday after fighting at lightweight in his previous three fights. Between 2017 and 2020, dos Anjos fought at welterweight, losing an interim title fight against Colby Covington. The former lightweight champion, dos Anjos, was knocked out by Rafael Fiziev in his last fight and decided to move back up to welterweight. With his victory over Barberena, dos Anjos surpassed eight hours of Octagon time, the most in UFC history.

Next: UFC Orlando: Live results and highlights UFC Orlando took place on Saturday, Dec. 3, 2022, live from the Amway Center, Orlando, FL. Follow along with FanSided MMA for all your news and highlights.

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