Don’t Let Your FSA Dollars Disappear: Why Pregnancy Fitness Qualifies (And How to Pay Before Dec 31)
You have two days left to turn your “use-it-or-lose-it” funds into a full year of preventative pregnancy care.
Right now, billions of dollars are sitting in Flexible Spending Accounts (FSA) across the country. And in less than 48 hours—at 11:59 PM on Wednesday, December 31st—a significant portion of that money will simply vanish.
If you have an FSA and you’re pregnant, planning to be, or recovering postpartum, this is your final call. You have two days left to use those pre-tax healthcare dollars for something that actually prevents costly complications: OB/GYN-approved pregnancy fitness.
The Deadline is 11:59 PM, Wednesday (Dec 31st)
Most FSA plans operate on a “use it or lose it” basis. Any funds you contributed in 2025 that aren’t spent by December 31st are generally forfeited to your employer.
According to the Employee Benefit Research Institute, Americans forfeit an estimated $400-500 million annually in unused FSA funds. That’s money you already earned and set aside for healthcare—money that could be working to prevent pregnancy complications instead of disappearing.
Why Pregnancy Fitness Qualifies as Healthcare
Here’s what most people don’t realize: pregnancy fitness is preventive healthcare.
The research is unambiguous. Regular, appropriate exercise during pregnancy significantly reduces the risk of:
Gestational diabetes (which affects 10% of pregnancies)
Preeclampsia (high blood pressure)
Cesarean delivery (costs $5k-$10k more than vaginal births)
Premature birth
Postpartum depression
Pelvic floor dysfunction (affects up to 50% of postpartum women)
Prevention is cheaper than treatment. Because Expect is designed to prevent or treat these specific conditions, HSA and FSA administrators recognize it as an eligible medical expense.
The Smart Move: Buy Your 2026 Care with 2025 Dollars
We’ve partnered with Flex, a qualified healthcare vendor, to make this process simple and fast enough to complete before the deadline.
Important Strategy Note: To maximize your 2025 FSA funds before they expire, we strongly recommend the Annual Plan.
Why? If you choose a monthly plan, you only use ~$40 of your expiring balance today. If you choose the Annual Plan ($199), you use nearly $200 of your “use-it-or-lose-it” money now, securing your access for all of 2026 effectively for free.
Here is how to do it in under 5 minutes:
Choose the Annual Plan: Select the annual subscription ($199/year). This includes the telehealth consultation fee at no extra cost and maximizes your FSA usage.
Complete the Intake: Answer a few questions about your pregnancy or postpartum health needs through our secure chat.
Get Same-Day Telehealth Approval: A licensed provider reviews your info and generates your Letter of Medical Necessity (LMN).
Pay with your FSA Card: Once approved, pay directly with your FSA card. (Or pay with a personal card and submit your receipt for reimbursement).
You wouldn’t think twice about using your FSA for physical therapy after an injury. Expect is physical therapy for your body during the most physically demanding experience of your life.
48 Hours Left
You have until 11:59 PM on Wednesday, December 31st to put your 2025 healthcare dollars to work.
Ready to beat the deadline? Visit expect.fit/hsa-fsa to get started on the web, or download the Expect app to subscribe in-app.
Questions about eligibility? Email support@expect.fit
Note: HSA/FSA eligibility varies by administrator. Approval is subject to telehealth provider assessment.