Best Ways to Use Your FSA and HSA Funds Before They Expire

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Sharing the best ways to use FSA and HSA funds before they expire.

Hi friends! How are you? I hope that your morning is off to a great start! We’re here in full holiday mode; I’m really trying to finish everything this week. I started holiday baking but everything has been consumed lol so I’m starting over (and storing some in the garage freezer!).

I’m also starting to plan for the new year and 2026 content. I’m so excited for everything coming up this next year!

For today’s post, I wanted to share some tips on how to use FSA and HSA funds before they expire, since I know many of you are also in holiday mode and it might not be on your radar. (We don’t have these accounts but it’s something I’m exploring in the new year since we love wellness essentials and lab testing). I’m also tempted to start this because this is the first thing I’d buy. 

The reality is that every year, thousands of people leave money on the table simply because they’re not sure what actually qualifies for HSA and FSA spending.

The good news is that there are so many smart, legitimate ways to use these funds to support your health – especially if you’re focused on prevention, inflammation reduction, hormone balance, and long-term wellness.

I wanted to chat about some of the best ways to use your FSA and HSA funds before they expire, including some of my favorite wellness tools, functional health options, and practical purchases that actually move the needle for how you feel.

First, a Quick Refresher: FSA vs. HSA

What is the difference between FSA and HSA?

Flexible Spending Accounts (FSA)

– Typically “use it or lose it” by the end of the year

– Employer-sponsored

– Covers eligible medical expenses

Health Savings Accounts (HSA)

– Funds roll over year to year

– Available with high-deductible health plans

– Can be used for many of the same eligible expenses

Always check your specific plan rules, but the categories below are commonly eligible.

(A little tip: you can toggle Amazon for FSA/HSA eligible)

1. Functional Health Testing (A Huge Opportunity)

One of the best uses of FSA/HSA dollars is testing, especially if you’ve been struggling with fatigue, inflammation, gut issues, or hormone changes.

Eligible tests may include:

Food sensitivity testing

Minerals and heavy metals

Stress,

2026 Health Planning Class

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Hi friends!

I’m so excited to share something brand new that I’ve never done before, and it’s truly the perfect way to wrap up the year feeling grounded, empowered, and ready to take control of your health in 2026.

On December 17th at 10 AM PST / 1 PM EST, I’m hosting a free live class where I’ll walk you through creating your personalized health plan for 2026.

SAVE YOUR SEAT HERE

We’re doing it together with the power of ChatGPT to help you build a custom, step-by-step plan you can start using immediately.

If you’ve been wanting clarity, structure, and a realistic approach to your wellness goals… this is your chance.

What Is the 2026 Health Planning Class?

Think of this class as your annual reset: a chance to get out of overwhelm, get clear on what actually matters for your body, and create an action plan that feels doable, energizing, and fun.

During the class, we’ll map out your:

– Nutrition goals (no crash dieting, ever)

– Hormone and gut support strategy

– Exercise plan based on your current season of life

– Sleep, stress, nervous system tools

– Daily non-negotiables to keep you consistent

– Lab testing roadmap (if needed)

– Supplements that are actually worth it

– Lifestyle habits to feel amazing all year long

You’ll leave the workshop with your own customized plan, not a generic template. It will be your personal custom document that you can reference and adjust as the year goes by.

Why We’re Using ChatGPT (And How It Helps You)

During the live session, we’ll use AI to:

– Create personalized habit trackers

– Build a weekly routine that fits your lifestyle

– Map out your ideal wellness week

– Turn your goals into actionable steps

– Save everything into a plan you can reference all year

You’ll literally walk away with a 2026 Wellness Blueprint that we build together in real time.

What You Need to Bring

To make the most of this class, come prepared with

Holiday Gift Guide for Wellness, Fitness, and Biohacking

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Sharing some of my favorite gift ideas for fitness and wellness enthusaists, biohackers, and *scrunchy* friends (or even yourself!) this holiday season.

Hi friends! How are you? I hope that you’re having an amazing week so far. It’s a quick week that ends with shopping and pie – we’ve got this!!

It’s been a busy one over here. Monday night was Liv’s confirmation, so we celebrated with dinner and crazy milkshakes afterwards. The Pilot was on a trip, but I’m excited that he’ll be here for Thanksgiving. What do you have planned? We’re going to my uncle’s as usual, and then heading to Trevor and Danielle’s for a bit.

For today’s post, I wanted to share a roundup of my favorite wellness, fitness, and biohacking gifts! This is a perfect gift for your *scrunchy* friends… or even yourself. Let’s be real; the best sales of the year happen this weekend, so it’s the perfect time to stock up on wellness essentials, especially if you have health-related goals as we head into the new year.

It’s also worth mentioning here that a lot of the things on this list are nice/fun to have, but not essential. The most important health tools are free, like sunshine, stress management, connection, movement, and solid nutrition.

If you have an favorite wellness purchases from the year, please feel free to link in the comments below!

More of this year’s gift guides:

For Her

For Him

For the Kids

For Tweens

Everything is linked on my ShopMy for easy access and this page has a roundup of some of my top picks, too.

Holiday Gift Guide for Wellness, Fitness, and Biohacking

Home and kitchen:

Air Doctor. Clean air makes such a huge difference, especially during this time of the year with allergies and colds floating around.

Nontoxic pots and pans. We love Caraway and OurPlace. Each year on Black Friday, I usually treat myself to a new OurPlace pot or pan. Their air fryer is so cute, too!

Water filter. Read more

Free Health Coach Toolkit: The Ultimate Starter Resource for New Health Coaches

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Download this free Health Coach Toolkit for new coaches and integrative health practitioners. Includes editable forms, scripts, checklists, and resources to launch your business with confidence.

Hi friends! I hope that you’re having a wonderful day. We’re back from an amaaaazing trip to NYC – I’ll share a recap soon! – and getting back into the routine. I’ve been tackling the laundry mountain, getting ready for the Pilot’s birthday and P’s bday celebrations, and some more travel. I’m headed to Ft. Lauderdale and LA soon!

I wanted to share something that I’ve been working on behind the scenes: helping fellow IHPs and health coaches launch their businesses. I’ve been in the online space for 15+ years now (how?!) and have learned so many things along the way of reaching multiple six figures online.

I’ve loved sharing what I’ve learned and helping others start successful online businesses. I started a small group paid mentorship here – read more about Revenue RX – but am also working on as many free resources as possible. One of my first clients just ran a 7-day challenge and 20 people signed up!

The first free resource is a Health Coach Toolkit, which you can download for free here.

Free Health Coach Toolkit

If you’re a new health coach or integrative health practitioner, you probably feel a mix of excitement and overwhelm. You’ve spent months (or years!) studying functional medicine, learning lab analysis, and helping clients transform their lives…

but now you’re asking:

“Okay, how do I actually run my business?”

I get it. When I started coaching, I had no idea what forms I needed, how to set up client onboarding, or how to keep my systems organized. I wanted to focus on helping people feel better, not chase down spreadsheets and waivers.

That’s exactly why I created the Free Health Coach Toolkit – to help you skip the messy trial-and-error phase and start your practice with clarity, confidence, and systems that actually work.

This free toolkit includes everything you need to launch or streamline your coaching business – whether you’re just finishing IHP2 or have been coaching clients on the side for a while.

What’s Inside the Free Health Coach Toolkit

This toolkit is designed to give you the exact resources I wish I’d had when I started my practice: all editable, customizable, and easy to brand as your own.

Here’s what you’ll find inside:

1. Client Intake Form

Your first step in understanding your client’s health history, symptoms, and goals.

This editable form helps you collect everything you need to create personalized recommendations – without missing key details.

You can use this with a tool

Low impact cardio options for autoimmune flare days

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Sharing some of my go-to low-impact cardio options for autoimmune flare days. This was something I really struggled with and have definitely been there. These are some of the things that helped me, but please reach out to your doctor for personalized advice. If you’re ready to get to the root cause of how you’re feeling, email me gina@fitnessista.com subject TESTING. 

Hi friends! How are you? I hope you’re having a lovely week. I’m looking forward to lunch with the girls today and a low-key night catching up on Dancing with the Stars. We’re loving this season!

Today, I wanted to chat a little more about my autoimmune journey and some of the things that have helped me during a flare, especially when doing workouts, especially cardio felt more challenging.

What type of cardio to do after strength training

Low-Impact Cardio Options for Autoimmune Flare Days

When Movement Feels Harder Than Usual

If you live with an autoimmune condition, you know the ups and downs all too well. Some days you feel strong, capable, and ready to take on a workout. Other days… just getting out of bed feels like a victory.

As someone who has supported many clients (and experienced my own share of health hurdles), I’ve learned that movement doesn’t have to totally disappear on autoimmune flare days. The key is choosing low-impact cardio options that support circulation, lymphatic flow, and mood – without pushing your body into more inflammation or exhaustion.

I wanted to chat about some of my favorite gentle and low-impact cardio options for autoimmune flare days, so you can honor your body while still supporting your health and fitness goals.

Why Low-Impact Cardio Matters During Flares

When your immune system is flaring, your body is already working overtime. High-intensity training can sometimes make symptoms worse, spiking cortisol and leaving you drained.

Low-impact cardio, on the other hand:

Supports blood flow and oxygen delivery.

Encourages gentle detox through sweating and lymphatic movement.

Boosts mood and mental health.

Helps maintain consistency without burning you out.

Think of it as a way to meet your body where it’s at while still taking care of yourself.

Best Low-Impact Cardio Options for Autoimmune Flare Days

Walking (Indoors or Outdoors)

Walking is one of the most underrated low-impact cardio exercises. On flare days, keep it gentle: a slow stroll around your neighborhood, or even laps inside your house. Fresh air + sunshine can also help reset your nervous system.

Tip: Start with 5–10 minutes, and if it feels good, extend from there.

Rebounding (Mini Trampoline)

Rebounding is one of my favorites for autoimmune flare days. The light bouncing helps move lymph fluid, supports detox pathways, and boosts circulation without being too taxing.

Tip: Gentle health bounces (feet s

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