Jonquilyn Hill

That's through your employer.

And there's a limit similarly to an HSA and you're putting money aside and you have to spend it all in that calendar year.

So you got to be careful about thinking about what you want to put aside.

Usually there's either a little bit of wiggle room around like tipping over that spending into the next year, or it could be that some employers could choose to let you carry a little of the money over a certain percentage of it for the full year.

But you can use that for lots of things.

The copay, the deductible.

You can use it for what you buy at CVS.

You'll look at the very end of your receipt at CVS and there'll be a line that says FSA eligible or HSA.

That can be deducted.

You can get that money back.

Yeah, I did discover that I could buy my fancy sunscreen with an FSA.

That was exciting.

I mean, I nerdily save all my CVS receipts.

And at the end of the year, when I realize I am running out of time to spend my FSA money, I go through them all and I find all sorts of things I never would have expected are covered by an FSA.

This whole process seems like it can be so confusing.

Do you find it confusing?

I mean, you cover this.

I find it very confusing.

My mother-in-law was trying to pick a plan through the ACA.

I found it very hard to help her.