Home Get Started FSA Basics Use Your Money FAQs "How-To" Video

Can I keep the money that I don’t use during the year?

Your company’s plan has a specific “Use-It-or-Lose-It” rule for any funds remaining in your account. There are three different rules and your employer must choose one: 1) under the original Use-it-or-Lose-It rule, you lose—or forfeit—any funds you have not used by the end of the plan year; 2) a recent rule change gives your employer the option to allow you to carry over up to $500 of your unused medical FSA funds into the new plan year; or 3) your employer may offer up to 2 ½ months in the new plan year to incur and submit claims against your remaining account balance. With any of these options, your plan may also offer additional time after the plan year is over to submit your final claims for that year. Check your open enrollment or benefit materials, your company’s Human Resources website, or your Summary Plan Description to find out which rule applies to your company’s plan.

To help avoid losing leftover funds, estimate your annual health care expenses to determine the right contribution amount. You can track your FSA spending on your member website, which may help you estimate even more accurately next year.


How does an HRA work? Advantages of an HRA How you can use

Highmark Health Services YouTube Channel Highmark Health Services Facebook


What is an FSA?

How does it work?

Quick Start Guide

"How-To" Video

Eligible Health Care Expense List


Enroll & Activate Account

Manage My Account

Choose Claim Payment Option

Debit Cards

"How-To" Video


® Highmark is a registered mark of Highmark Inc.
© 2014 Highmark Inc. All Rights Reserved

® Blue Shield and the Shield symbol are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.

Important Legal Information: Health care benefit programs are issued or administered by Highmark Blue Shield, Highmark Benefits Group, or Highmark Health Insurance Company, independent licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross Blue Shield plans. Information on this website is issued by Highmark Blue Shield on behalf of these companies, which serve the 21 counties of central Pennsylvania and the Lehigh Valley as full-service health plans. Highmark Blue Shield also provides services in conjunction with Blue Cross of Northeastern Pennsylvania in northeastern Pennsylvania and Independence Blue Cross in southeastern Pennsylvania.

We are committed to providing outstanding services to our applicants and members. If you require special assistance, including accommodations for disabilities or limited English proficiency, please call us at 1-800-876-7639 or TTY at #711 to receive assistance free of charge.

This site works best if viewed with the latest version of Internet Explorer, Firefox, Chrome, or Safari browsers. For the best performance and security, always keep your web browser up-to-date.

How does an HRA work? Advantages of an HRA How you can use