What can I buy with FSA money before it expires?

At Turmerry, qualified customers can use FSA funds on mattresses , toppers , pillows , and adjustable bases through Truemed. Items that are not currently eligible include sheets, blankets, gift cards, and a few other accessories. See the full current list on our FSA & HSA eligible products page .

Can I use FSA money on a mattress?

Yes, for qualified customers. Mattresses are what the IRS calls a dual-purpose item , which means a licensed provider must determine that the purchase is medically necessary for you specifically. Truemed handles that process at checkout. Take a short health survey, a provider reviews it, and, if you qualify, you get a Letter of Medical Necessity that makes your mattress purchase eligible for FSA spending.

What is the FSA deadline for this year?

For most FSA plans, the deadline is December 31 . Some plans offer a grace period until March 15 or allow a small carryover into the following year, but most don’t. Check with your plan administrator to confirm your specific deadline. If your funds expire December 31, order early enough for your LMN to be issued and your purchase to be processed before your plan’s deadline.

Does FSA money roll over?

Generally no. Most FSA plans forfeit unused funds on December 31. Some plans offer a grace period through mid-March or a small carryover (up to $680), though this figure adjusts annually. However, neither is guaranteed. Check with your plan administrator before assuming your funds carry over. The safest approach is to spend before December 31.

What if I don’t have enough FSA funds to cover the full purchase?

You have two options. First, you can split the payment by using your FSA card for the eligible portion and a regular credit or debit card for the rest. Turmerry handles this through Truemed at checkout, so no separate transactions are needed. Second, you can choose a lower-cost product . A topper or pillow costs a fraction of a new mattress, and the same qualification process applies. Either way, partial FSA spending is better than forfeiting what’s left.

What to Buy with FSA Money Before It Expires

6 min read Updated November 9, 2026

Written by Mohammed Aftab

Last Updated November 9, 2026

A desk with an FSA card, a calender open to December with 31 marked, and a Turmerry mattress in the corner.

Most FSA plans run on the calendar year, which means any unspent balance is forfeited on December 31. If you’ve been putting off a purchase and suddenly realized your deadline is coming up, you’re not alone.

According to Truemed’s data, 47% of FSA holders forfeit money every year (an average of $422 each), totaling $4.5 billion in unused benefits nationwide. That’s pre-tax money you already earned, gone for nothing.

The good news is there’s still time to use it. At Turmerry, qualified customers can use FSA funds on mattresses, mattress toppers, pillows, and adjustable bases through Truemed. In this post, we’ll walk you through what's eligible, how to qualify, and how to order in time for December 31.

[See all FSA & HSA eligible products]

Key Takeaways:

At Turmerry, qualified customers can use FSA funds on mattresses, toppers, pillows, and adjustable bases through Truemed.
The Truemed process takes about five minutes: a short private health survey, a provider review, and a Letter of Medical Necessity by email, usually within 24 hours.
Qualified customers save an average of 30% by paying with pre-tax FSA or HSA dollars. Learn more at truemed.com/disclosures.
Some plans offer a grace period until March 15 or a carryover of up to $680. Check with your administrator and don’t just assume your funds carry over.
If you don’t qualify through Truemed, you can still purchase any Turmerry product at the regular price.

What Happens to FSA Money If You Don’t Use It?

Unlike a health savings account (HSA), a flexible spending account (FSA) doesn’t roll over indefinitely. The money you contribute is set aside pre-tax at the start of the year, and if you don’t spend it by your plan’s deadline, it’s gone. Your employer keeps the forfeited balance. You don’t get it back, and it doesn’t carry into next year.

Some plans offer a small grace period or carryover, but most don’t. Here’s how it tends to break down:

No rollover (most common): All unspent funds are forfeited on December 31. Use it or lose it.
Grace period: Some plans extend the deadline to March 15 of the following year. Check with your plan administrator to see if yours does.
Carryover: Some plans allow you to roll over a small amount (up to $680) into the following year. Again, check with your administrator.

The safest assumption is that your funds expire on December 31. If your plan offers a grace period or carryover, that’s a bonus. But don’t count on it without confirming first.

How Much Time Do You Have?

That depends on two things: your plan’s deadline and your FSA administrator’s rules.

For most plans, the deadline to incur eligible expenses is December 31. What counts as "incurred" varies by administrator. Some go by the date you place the order, others by the date the item ships, and some by the date it arrives.

If you’re buying a larger item like a mattress or adjustable base, don’t assume the order date alone is enough. Check with your plan administrator before ordering late in December.

On the Truemed side, the process is fast. The health survey takes about two minutes, and the provider review typically completes within 24 hours. That part won’t hold you up. The variable is your administrator’s rules and delivery timing on larger items.

The safest approach: order as early in December as you can. The closer you get to December 31, the more you’re relying on your administrator’s specific rules to work in your favor.

What Can You Buy with FSA Money Before It Expires?

At Turmerry, qualified customers can use FSA funds on four categories of sleep products through Truemed. Here’s a quick overview before we go into each one in detail.

Mattresses: The best sleep upgrade you can make. GOLS-certified organic latex, natural wool, and organic cotton. You get pressure relief without the heat-trapping feel of memory foam.
Mattress Toppers: Improve your existing mattress without replacing it. Same organic latex quality with targeted support zones at a fraction of the cost of a full mattress.
Pillows: Natural latex, wool, and buckwheat pillows for responsive neck support. Available in a wide range of shapes and sizes.
Adjustable Bases: Raise and lower the head and foot of your mattress independently. Zero-gravity preset, massage, underbed lighting, USB ports, etc., depending on the model.

Sheets, blankets, gift cards, and certain other accessories are not currently eligible. Truemed reviews our catalog periodically, so this list can change.

Mattresses

All Turmerry mattresses are eligible for qualified customers through Truemed. A mattress is the highest-value way to use your FSA funds before the deadline.

Suggested Read: Can You Buy a Mattress with FSA or HSA?

$Lady in beige silk pajamas lying down comfortably on a Turmerry latex mattress on a wood frame in a modern bedroom.$

Organic Latex Mattress: Our flagship. GOLS-certified organic latex inside an organic cotton cover quilted with natural wool. Seven zones of support, adjustable layers, and no synthetic foam.

Latex Hybrid Mattress: Organic Talalay latex over L&P pocketed coils. The coil layer adds edge support and a more traditional feel while keeping the pressure relief that latex is known for.

Egg Crate Mattress: An all-latex bed with an egg crate latex comfort layer at the top, enhancing pressure relief and airflow. A good fit for people who need extra contouring.

Dual Side Flippable Mattress: Two firmness levels in one mattress. Flip it to switch between more support or more cushioning without buying a new bed.

DIY Hybrid Mattress: A customizable hybrid that lets you choose and adjust your layers. Made with our signature 7-zone Dunlop latex and TPS QuadCoil pocketed coils.

RV Mattress: The same organic latex quality as our flagship bed, now in non-standard sizes for RVs and campers. Custom orders are welcome.

Bigg+ Mattress: Built for heavier bodies, with three layers of extra-firm, high-density Dunlop latex as the support core. The top layer is customizable for comfort.

Kids Mattress: Organic latex mattress in a smaller profile, made with the same certified materials as the adult lineup. Great for kids outgrowing their cribs.

Mattress Toppers

Not ready for a new mattress? A topper improves your existing one for a fraction of the cost, and the same qualification process applies.

Suggested Read: Is a Mattress Topper FSA/HSA Eligible?

$Closeup of Turmerry latex mattress topper on a bed, showing pincore perforations.$

Latex Mattress Topper: Our best-seller. GOLS-certified organic latex with 7 targeted support zones and pin-core perforations for natural airflow. Firm enough to support, cushioning enough to relieve pressure.

Cooling Mattress Topper: The same 7-zone latex with graphite infusion for better temperature regulation and responsiveness. A good fit if you sleep hot.

Egg Crate Mattress Topper: An ergonomic egg crate surface that distributes body weight more evenly than a flat topper. Designed for enhanced pressure relief and airflow.

RV Mattress Topper: The same organic latex quality as our flagship topper, in non-standard sizes for RVs and campers. Custom orders are welcome.

Pillows

Small purchase that can make a big difference. Natural latex, wool, and buckwheat pillows are all eligible for qualified customers through Truemed.

See More: FSA & HSA Eligible Pillows

$Lady in blue silk pajamas sleeping comfortably on Turmerry latex pillow, covered with comforter, in a modern bedroom.$

Latex Pillow: Responsive, durable support that holds its shape all night. Available in standard, contour, shredded, cooling graphite, travel, donut, and full body styles.

Wool Pillow: Natural New Zealand wool for temperature regulation and softness. Available in standard and hybrid wool-buckwheat styles.

Buckwheat Pillow: Firm, adjustable support. Fill level is customizable, so you can easily change the loft to what works for you.

Latex Seat Cushion: Eligible too, for desk chairs, car seats, and much more.

Adjustable Bases

Adjust your bed on your terms. Raise your head, lift your feet, try the zero-gravity position. All four bases are eligible for qualified customers through Truemed.

$Turmerry latex mattress on an adjustable base with the head section raised, adorned with a brown blanket throw.$

Adjustable Base A1: Head articulation, wired remote, foldable design, slim profile, and power outage protection. The essentials.

Adjustable Base A2: Everything in the A1, plus foot articulation, wireless remote, one-touch flat preset, and zero-gravity preset.

Adjustable Base A3: Adds underbed lighting and a programmable preset to the A2’s features.

Adjustable Base A4: The full lineup. Massaging motors, USB ports, and two extra programmable presets.

How to Use FSA Funds at Turmerry Before the Deadline

The process through Truemed is fast. Here’s what to do:

Three icons linked by arrows: a shopper with a cart, a medical provider with a shield badge, and a signed Letter of Medical Necessity.

Step 1: Choose your products

Add any eligible mattress, topper, pillow, or base to your cart. If you have a coupon code, apply it now. Coupons stack with Truemed at checkout.

Step 2: Select Truemed at checkout

When you reach checkout, look for the Truemed payment option. If a "Shop Pay" pop-up appears, close it. Truemed will be visible once you exit it.

Step 3: Complete the private health survey

The survey takes about two minutes. A licensed provider from Truemed’s network reviews it independently. Your answers are entirely private; Turmerry never sees them.

Step 4: Receive your Letter of Medical Necessity

If a provider determines you qualify, you’ll receive your LMN by email, usually within 24 hours. If you don’t qualify, you can still complete your purchase at the regular price.

Step 5: Pay with your FSA card or submit for reimbursement

You can either pay directly with your FSA card, split the payment between your FSA card and a regular card, or pay with a regular card and submit your receipt and LMN to your plan administrator for reimbursement.

Qualified customers save an average of 30% by paying with pre-tax FSA dollars.

Truemed is for qualified customers. HSA/FSA tax savings vary.
Learn more at truemed.com/disclosures.

Frequently Asked Questions

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Disclaimer: What is said in this article has been referenced from multiple sources and is intended only for educational and informational purposes. Please note that no content in this article is a substitute for professional advice from a qualified doctor or healthcare provider. Always consult an experienced doctor with any concerns you may have regarding a health condition or treatment, and never disregard any medical suggestions or delay in seeking treatment because of something you read here.