FSA vs. HSA for a Neck Massager: What to Use Before Year-End (+ Checklist)

FSA vs. HSA—fast comparison

• FSA: Pre-tax dollars, often expire Dec 31 (“use it or lose it”). Some plans allow a small carryover or grace period—confirm with your employer.

• HSA: Pre-tax dollars that roll over year to year. No year-end expiration pressure.

Bottom line: If you have FSA funds, use them before Dec 31. If you have an HSA, you still get substantial pre-tax savings by buying now (and you avoid holiday stock/shipping crunch).

Why TheraPexa belongs in your benefits plan

• Deep-tissue kneading mimics real hands for meaningful relief

• Optional heat melts tension faster—great during winter

• Cordless and portable—use it anywhere your holidays take you

How to check out (3 routes)

1. FSA/HSA card at checkout (if supported)

2. TrueMed reimbursement after a standard purchase—fast, guided process

3. Manual claim via your FSA/HSA portal with your receipt

Year-end checklist (print or save)

• ☐ Confirm your balance (FSA first—deadline is usually Dec 31)

• ☐ Verify eligibility (TheraPexa Neck & Shoulder Massager)

• ☐ Choose payment method (FSA/HSA card, TrueMed, or manual claim)

• ☐ Order before shipping cutoffs (beat carrier delays)

• ☐ Save receipts (for records or reimbursement)

• ☐ Set a habit: 10 minutes/day for lasting results

Holiday timing tips

• Earlier = better: Carriers surge mid-December.

• Gift-ready: Packaging is compact and easy to wrap.

• New Year routine: Start now, feel better by January.

FAQ

How much can I save?
Pre-tax FSA/HSA spending often equates to ~30% effective savings, depending on your tax bracket. Exact savings vary by individual.

What if my FSA expires?
Many plans end Dec 31. Some allow a small carryover or grace period—check your plan details.

Can I buy for someone else?
FSA/HSA rules usually limit spending to you or eligible dependents. For gifts, purchase normally and skip the tax-advantaged funds.