Not sure how you can spend your tax-free savings before time runs out on 12/31? Learn everything there is to know about FSA and HSA funds so you know when and how to spend your hard-earned dollars before it's too late. Discover the benefits of having a flex account today and how you can use your FSA or HSA on a new pair of prescription glasses, sunglasses, and even prescription goggles this season!


1. What is FSA & HSA?
1.1. How does an FSA work?
1.2. How does an HSA work?
2. When are my FSA/HSA dollars available?
3. When do my FSA/HSA dollars expire?
4. Can I use my FSA/HSA to buy glasses?
5. How-To: Spend your FSA/HSA dollars at SportRx
5.1. Visit your doctor
5.2. Shop for your eyewear
5.3. Enter your prescription information
5.4. Use your FSA/HSA card
5.4.1. Split payments
5.5. Receipt with complete order
6. Can I use vision insurance at SportRx?

What is FSA & HSA?

Flexible spending accounts (FSA) and health savings accounts (HSA) allow you to put pre-tax money away for specific health care expenses. Both accounts act like a rainy-day fund where you set aside a bit of your income through your employer to use on various medical expenses. These funds are pre-tax dollars, meaning the funds you contribute to your HSA or FSA will not be counted towards your taxable income. For example, if you contribute $2,500 for the year, your income will be taxed as though you made $2,500 less than what you earned. Which expenses are eligible can vary, so consult your FSA or HSA rules before making any purchase if you’re unsure whether it’ll be covered.

One big difference between HSA and FSA is that HSA funds roll over year after year, while FSA funds expire at the end of each year if left unused. Knock on wood, you never have to use 'em – however, you don’t have to let them go to waste either.

How does an FSA work?

This special account is usually available through your employer. Details, guidelines, and registration should be available through your employer as well. As of 2022, FSAs are limited to $2,850 per year. These funds can be used for certain medical expenses as well as to pay for deductibles and copayments. Plan carefully — this money expires on December 31 of each year.

How does an HSA work?

Health savings accounts are truly like rainy-day funds. The account is not only tax-free, but it also gains interest over time. However, not everyone has access to an HSA. Only employees with high-deductible health insurance plans (HDHP) can qualify for an HSA. Most health insurance providers offer HSAs, but if yours doesn’t have one, you can open your own at most financial institutions.

The money goes in before taxes, grows with interest tax-free, and the money can come out tax-free. And unlike FSA accounts, the money rolls over year after year without the pressure of having to spend it. The 12/31 deadline does not apply here!

When are my FSA/HSA dollars available?

FSA dollars become available at the beginning of your coverage period, one calendar year typically beginning on January 1. Your HSA dollars are available year-round, so long as you have funds in your account.

When do my FSA/HSA dollars expire?

FSA dollars must be spent before the end of the same coverage period when the money was set aside. Most coverage periods are one full calendar year (ending on December 31). Some plans have a grace period, so you can spend your remaining FSA dollars through March 15 of the following year. Afterwards, any unused FSA dollars are lost.

Other FSA accounts allow $500 to roll over into the next coverage period. Ask your employer which benefits your FSA account comes with.

Can I use my FSA/HSA to buy glasses?

Yes! Rx eyeglasses, Rx sunglasses, goggles, and readers are eligible FSA expenses and HSA expenses that can be purchased online or over the phone with a friendly, helpful optician. If you’re ready to shop, check out some of our picks below:

It's never been easier to use those savings accounts on FSA sunglasses, HSA for eyeglasses, or anything else when you shop for prescription eyewear online at SportRx. So, don’t let your flex dollars go to waste, and instead use them to get those sweet Oakley Crosslinks you've been eyeing, or even some awesome Ray-Ban Wayfarers with your flex or HSA funds.

Please note that only orders with prescription lenses qualify as FSA/HSA eligible.

How-To: Spend your FSA/HSA dollars at SportRx

Once you find the perfect pair of prescription eyewear, the awesome SportRx opticians make it easy to apply those flex funds you have saved up! If you’re using a credit card issued by your FSA provider, please contact us immediately after placing your order so that we can process your payment before the December 31 deadline. If you’d rather place your order over the phone and share your FSA info all at once, we’re happy to help you, every step of the way.

Time's a tickin'! Shop the SportRx website or call or LiveChat with a SportRx optician to use your FSA account on prescription eyewear before the December 31 deadline!

1. Visit your eye doctor

Go visit your local eye doctor to obtain an updated prescription. The prescription must have the doctor’s signature, an expiration date, and your pupillary distance (PD) measurement. A prescription will typically last one or two years from the date you received the eye exam.

If you can’t find your PD, read How To Measure Your Own Pupil Distance.

2. Shop for your eyewear at SportRx

At SportRx we offer prescription sunglasses, eyeglasses, and goggles that are FSA/HSA eligible. Browse until you find your perfect match and contact a certified optician for any specific questions.

Not sure where to start? Check out How to Buy Prescription Sunglasses Online for a detailed, step-by-step guide.

3. Enter your prescription information

Once you’ve found your frame and customized the lenses, the final step will require you to enter your prescription. You can email, fax, or upload your prescription as a saved document. Whichever is more convenient for you. Don’t have it on hand? There’s also an option to send it to us later! Just make sure you submit it ASAP if you’re worried about FSA funds expiring.

4. Use your FSA/HSA card

When you get to the payment method, enter your FSA/HSA card like a typical credit card. Make sure to check the FSA/HSA box. This allows our opticians to recognize you are using an FSA/HSA card and to charge it right away.

5. Can I split payment on my FSA/HSA card?

Yes! Please call us for help on splitting a payment.

6. Receipt for complete order

Once the order has been completed and shipped, you will receive an email with the tracking number and receipt for how much you were charged. If you do not receive this email or need more details (such as an itemized invoice), make sure to contact SportRx.

Free U.S. Ground Shipping & Returns Applies to All Orders

Can I use vision insurance at SportRx?

SportRx is considered an out-of-network provider and does not directly take vision insurance as payment. However, most vision insurances offer out-of-network benefits that allow you to be reimbursed for prescription eyewear. Make sure to check with your insurance company and see what out-of-network benefits they offer. Insurance companies will require an itemized receipt to show proof that you bought prescription eyewear before you start your claim. You can contact SportRx if you need a copy of your itemized receipt.

Shop FSA/HSA Prescription Glasses, Sunglasses, and Goggles at SportRx

If you are looking for FSA and HSA-eligible prescription eyewear, look no further. At SportRx we have in-house friendly opticians with over 500 combined years of experience that will help you customize your favorite pair. Contact us and learn about our See Better Guarantee™ where you get 45 days to return your pair or get full credit towards a new one. We also offer free shipping both ways!

Shop All Prescription Glasses and Sunglasses