Before the money is lost

When does this year’s care money run out?

Enter the account and the plan year. You get the last day for care, the last day to claim, and what is at risk. It is worked out on this device; nothing is sent.

The account

Which account?

Health FSA Dependent care FSA HSA HRA

Last day of the plan yearOn the benefits summary. For most plans, December 31. Money left in the accountOptional. From the account’s website or app.

Does the plan have a grace period or a carryover?

A grace period A carryover Neither Not sure

Days the plan allows to send claimsOptional. The “run-out period” on the plan summary.

Receipts in your family file still waiting

Read from the family file on this device, never changed. Receipts marked paid back or turned down are left out.

Looking in the family file on this device…

The medical deduction floor

Medical bills an account did not pay back can count on your tax return, but only the part above 7.5% of your adjusted gross income, and only if you itemize on Schedule A. Bills you pay for a parent count when they are your dependent, or would be except for their income (the support test is on Who pays what).

Adjusted gross income for the yearLast year’s Form 1040 shows it; this year’s may differ. Medical and dental bills paid, not paid back

What you type is kept in this browser so it is here next time. Nothing leaves the device.

General information from IRS publications, not tax or legal advice. Your plan document and your plan administrator decide what the plan pays and when. In an emergency, call 911. If you or the person you care for is in crisis, call or text 988.