Every December, people scramble to spend FSA money before it disappears — often on things they do not need. A qualifying water filter is a smarter use: durable, genuinely valuable, and eligible with a Letter of Medical Necessity. Here is why it makes sense.
A better year-end buy
Convert expiring funds into something durable. Rather than stockpiling odds and ends, a qualifying water filter turns a year-end FSA balance into cleaner water for years — with a Letter of Medical Necessity.
As December closes in, anyone with an unspent FSA faces a choice: spend it or forfeit it. The common reflex is to grab whatever qualifies — extra supplies you may never use. That spends the money, but it does not get you much. A bigger, durable purchase puts the funds to better work. (Check your deadline and any grace period first.)
Because a filter needs a Letter of Medical Necessity, start in early December rather than on the 31st. Pick a qualifying system, buy through the checkout that issues the letter, and keep your documentation. See how to buy with HSA/FSA.
If you have funds left over after a filter, common eligible items include things like first-aid and many over-the-counter health products — but confirm each against your plan. The point is to spend deliberately on things you will use, with the durable water system as the anchor purchase.
SpringWell's eligible systems issue the Letter of Medical Necessity at checkout — start early so it clears in time.
Shop eligible systems →A durable, qualifying purchase like a water filter is often better than stockpiling small items. It uses a larger balance and provides lasting value, with a Letter of Medical Necessity.
Allow time. Because a Letter of Medical Necessity is required, start in early December so the letter and purchase clear before your deadline.
Confirm other eligible items against your plan. Spend deliberately on things you will actually use, with the water system as the anchor purchase.
