For many people, the end of the year brings an overlooked financial deadline: your HSA or FSA dollars may expire if you don’t use them in time. In most plans, any unspent FSA funds — and in some cases HSA contributions — can’t be carried forward. That means money you set aside (pre-tax) for your health could simply disappear.

But here’s the opportunity: you can use those same pre-tax dollars — saving up to 30% — to upgrade your work setup, improve your ergonomics, and support long-term health. If you’ve been experiencing back pain, neck strain, or fatigue from long hours at a desk, this may be the smartest use of your remaining HSA/FSA funds.

Below are the top ergonomic tools and workspace upgrades that qualify, plus two powerful, productivity-boosting solutions from FluidStance.

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Why Ergonomics Is an Approved Use of FSA and HSA Dollars

(And Why It Matters)

Prolonged sitting, poor posture, and static positions at a desk create documented health risks: musculoskeletal strain, reduced circulation, spinal compression, and sustained glucose spikes after meals. Many ergonomic tools qualify for FSA/HSA reimbursement when used to treat or prevent these conditions — often with a Letter of Medical Necessity (LMN) from a healthcare provider.  But many providers, like FluidStance have done the hard work to get products pre-approved.

If your doctor has recommended improving your workstation for posture, back pain, neck strain, or movement, this is considered a legitimate medical need.

That means your ergonomic upgrades aren’t just “nice to have.” They are medically relevant — and your FSA/HSA dollars can help pay for them.

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The Top 5 Ergonomic Upgrades to Buy Before Your HSA/FSA Dollars Expire

1. A Balance Board for Active Standing

Featured: FluidStance® Level Balance Board

Most people think ergonomic upgrades mean better chairs — but movement is the real game-changer. A balance board keeps your body subtly active throughout the day, promoting:

• Increased circulation

• Better posture and spinal alignment

• Reduced low-back stiffness

• Higher focus and energy

FluidStance’s balance boards are crafted specifically for standing desks and are HSA/FSA-eligible through their approved partners. They turn passive standing into active, healthy movement — without interrupting productivity.

Explore eligible products here:
https://fluidstance.com/collections/hsa-and-fsa-products

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2. A Monitor Riser for Neck & Shoulder Relief

Featured: The Raise™ Monitor Riser by FluidStance

Neck pain is one of the most common workstation complaints, often caused by a screen that sits too low. A monitor riser:

• Elevates your display to eye level

• Reduces neck flexion and shoulder rounding

• Creates room for better desk organization

• Supports a healthier seated or standing posture

The FluidStance Raise™ is designed with premium materials and clean lines so it fits beautifully into a modern desk aesthetic — and it qualifies for HSA/FSA when medically necessary.

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3. Anti-Fatigue Mats and Foot-Support Tools

If you stand throughout the day, an anti-fatigue mat reduces joint compression and improves lower-body alignment. These are commonly covered with an LMN for conditions like plantar fasciitis, knee strain, or circulation challenges.

Pro tip for users of standing desks: use a mat, but also shift positions—alternating between mat, balance board, and seated work can dramatically reduce static-position fatigue.

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4. Ergonomic Keyboards, Mice & Accessory Tools

Repetitive strain injuries (RSIs) often stem from wrist extension, excessive reaching, or neutral-angle misalignment. Ergonomic input devices reduce tension and align your hands more naturally while you work.

Many of these devices qualify for HSA/FSA with LMN — especially if recommended for wrist pain, carpal tunnel, or tendon irritation.

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5. Lumbar Support, Seat Cushions & Posture Tools

Small ergonomic additions can create outsized benefits for long-term comfort:

• Lumbar rolls

• Seat cushions

• Posture guides

• Footrests

These tools support neutral spinal alignment and reduce back strain during long workdays. If a doctor has recommended improved posture for musculoskeletal health, these items often qualify.

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How to Make Sure Your Ergonomic Purchase Qualifies

Before buying, follow these steps to ensure smooth reimbursement:

1. Check Your Plan’s Eligibility Rules

Every provider handles ergonomic items slightly differently.

2. Use a Letter of Medical Necessity

If required, your provider or employer can supply a quick LMN template. Your doctor signs it, and you’re covered.

3. Buy From a Site With Clear HSA/FSA Verification

FluidStance’s eligible collection removes the guesswork.
https://fluidstance.com/collections/hsa-and-fsa-products

4. Submit Your Receipt Immediately

Year-end is busy. Don’t lose time — or your dollars.

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The Cost of Doing Nothing: Your FSA Dollars Can Disappear

Many Americans forget that FSA funds are “use it or lose it.” Even HSAs, though more flexible, still require careful planning to maximize tax benefits.

If you do nothing:

• Your ergonomic pain or discomfort persists

• Your workspace remains inefficient

• You may lose hundreds of dollars that could have improved your health and daily performance

If you act now:

• You can save up to 30% by spending pre-tax dollars

• You improve your daily comfort and posture

• You build a healthier, more productive workstation

This is one of the simplest, smartest end-of-year upgrades you can make.

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Final Takeaway: Turn Expiring FSA/HSA Dollars Into a Healthier Workspace

If you’ve been meaning to redesign your desk setup, reduce back pain, or bring more movement into your day, this is your moment. Ergonomic tools don’t just make your workspace look better — they help your body feel better.

Start with the two highest-impact upgrades:

• A FluidStance Balance Board (for movement)

• The Raise™ Monitor Riser (for posture)

Both are eligible for HSA/FSA spending and both deliver immediate improvements to daily work performance.

Explore all approved FluidStance items here:
https://fluidstance.com/collections/hsa-and-fsa-products