How Much Does an MRI Cost? Prices With and Without Insurance (2026)
Average MRI prices by body part, why costs vary between hospitals and imaging centers, and how insurance affects what you pay.
Read
Consumer resource articles from Flex
In-Network vs. Out-of-Network: How Health Insurance Networks Work
In-network providers charge your plan's negotiated rates; out-of-network providers don't. Here's how network status changes what you pay and how to avoid surprise bills.
Read
More Articles
What Is a PPO? How PPO Health Plans Work
A PPO is a health plan that covers in-network and out-of-network care without referrals. Here's how PPO plans work, what they cost, and how they compare with other plan types.
Read
How Much Does a Dental Crown Cost? Prices by Type (2026)
Typical 2026 dental crown prices by material, what a crown quote includes, and how dental insurance affects what you pay.
Read
What Is a Copay? How Copays Work in Health Insurance
A copay is a fixed amount you pay for a covered health care service. Here's how copays work with your deductible, coinsurance, and out-of-pocket maximum.
Read
What Is a Premium in Insurance? How Health Insurance Premiums Work
A premium is the monthly price of keeping your health insurance active. Here's how premiums work, how insurers set them, and how to weigh them against other costs.
Read
How Much Does COBRA Cost? COBRA Insurance Premiums Explained (2026)
How COBRA premiums are calculated, average monthly COBRA costs, the deadlines that matter, and how COBRA compares with other coverage options.
Read
Root Canal Cost in 2026: Prices by Tooth, With and Without Insurance
A root canal costs about $978 on average, with molars costing the most. See prices by tooth type, root canal and crown costs, and what dental insurance typically covers.
Read
Invisalign Cost in 2026: Prices, Cost Drivers, and Ways to Pay
Invisalign usually costs about the same as braces, with a national average near $5,108 without insurance. See price ranges, cost drivers, insurance coverage, and ways to pay.
Read
What Is an HMO? How HMO Health Plans Work
An HMO is a health plan that covers care from a set network, usually through a primary care physician. Here's how HMO plans work, their pros and cons, and how they compare with PPO, EPO, and POS plans.
Read
How Much Do Braces Cost? Average Prices by Type (2026)
Most braces cost $3,000 to $7,000 for full treatment. See average prices for metal, ceramic, lingual, and clear aligners, what dental insurance covers, and how payment plans work.
Read
Deductible vs. Out-of-Pocket Maximum: What's the Difference?
Your deductible is what you pay before your plan shares costs; your out-of-pocket maximum is the most you'll pay in a year. Here's how they work together.
Read
HMO vs PPO: Key Differences and How to Choose
HMO plans usually cost less but keep you in network; PPO plans cost more but add flexibility. Compare costs, referrals, and networks to choose the right plan.
Read
PPO vs HDHP: How to Choose the Right Health Plan
A PPO trades higher premiums for predictable costs; an HDHP trades lower premiums for a higher deductible and HSA access. Here's how to choose.
Read
What Is a Deductible? How It Works in Your Health Insurance
A deductible is what you pay for covered care each plan year before your health plan starts sharing costs. Here's how it works, what counts toward it, and how to choose one.
Read
What Is Coinsurance? How It Works, With Examples
Coinsurance is the share of a covered medical bill you pay after your deductible. Here's how it works, how to calculate it, and how it compares with a copay.
Read
EPO vs PPO: What's the Difference and Which Fits You?
An EPO covers only in-network care but usually costs less; a PPO costs more but pays part of out-of-network care. Here's how to choose.
Read
Can You Use an HSA or FSA for Acupuncture? (2026 Guide)
Acupuncture is a qualified medical expense. Here's what your HSA or FSA covers, what usually isn't eligible, and how to pay a licensed acupuncturist.
Read
HSA Eligibility Expansion 2026: Bronze Plans, Direct Primary Care, and Telehealth
Starting in 2026, bronze and catastrophic plans count as HSA-eligible, direct primary care memberships no longer block HSA contributions, and pre-deductible telehealth is permanently allowed. Here's who can contribute now and the 2026 and 2027 limits.
Read
Sample Letter of Medical Necessity for HSA/FSA (With Template)
A sample Letter of Medical Necessity for HSA/FSA purchases, the key components providers include, and how to get an LMN.
Read
HSA Eligible Items List (2026): 200+ Expenses Your HSA Can Cover
A category-by-category list of 200+ HSA eligible items and expenses for 2026, plus the HSA-only rules: insurance premiums an HSA can pay, who you can spend it on, and what records to keep.
Read
Can You Use an HSA or FSA for a Chiropractor? (2026 Guide)
Chiropractic care is a qualified medical expense. Here's what your HSA or FSA covers, when you need a Letter of Medical Necessity, and how to pay.
Read
Flexible Spending Account (FSA): The Ultimate Guide
Everything you need to know about flexible spending accounts: how FSAs lower your taxes, healthcare vs. dependent care FSAs, eligible expenses, key rules and deadlines, and how to spend your funds strategically.
Read
How to Pay for Anxiety / Stress Relief with Your HSA/FSA
Anxiety / Stress Relief is often HSA/FSA eligible with a Letter of Medical Necessity. See what qualifies, which conditions count, and how to pay with pre-tax dollars at checkout.
Read
How to Pay for Hair Removal / IPL with Your HSA/FSA
Hair removal and at-home IPL can become HSA/FSA eligible with a Letter of Medical Necessity for qualifying conditions. See what qualifies and how to pay.
Read
How to Pay for Sleep Aids with Your HSA/FSA
Sleep Aids are often HSA/FSA eligible with a Letter of Medical Necessity. See what qualifies, which conditions count, and how to pay with pre-tax dollars at checkout.
Read
Are Massage Guns HSA/FSA Eligible? (& How to Buy One)
Massage guns can be HSA/FSA eligible for qualifying customers, and most clear at checkout. See which conditions qualify and how to pay with Flex.
Read
Are Male Fertility Tests & Supplements HSA/FSA Eligible?
At-home sperm tests often clear at checkout, while fertility supplements need a Letter of Medical Necessity. See what qualifies and how to pay with Flex.
Read
Gym Membership Cost 2026: Prices for 12 Major Gyms + the Cheapest Options
Most gym memberships cost $30 to $70 a month in 2026. Compare prices, fees, and contracts at 12 major gyms, find the cheapest gym membership, and learn when an HSA or FSA can cover it.
Read
HSA Overcontributions: What Happens and How To Fix Them
Find out what an HSA overcontribution is, how to correct it without penalties, and what the consequences are for leaving the excess amount in the account.
Read
Health Savings Account Strategy: How to Save, Invest, and Spend Smarter
Learn the top HSA strategies for saving money, investing funds, maximizing reimbursements, and spending on eligible wellness products while reducing taxes.
Read
9 Best Red Light Therapy Devices (That Are Also HSA/FSA Eligible)
Compare the 9 best red light therapy devices, their benefits, and how to determine if you're eligible to buy RLT devices using your HSA or FSA funds.
Read
How To Make the Most of HSA Catch-Up Contributions
Learn what HSA catch-up contributions are, how they work, and how you can leverage them to maximize your healthcare funds and save on medical expenses.
Read
Is Melatonin HSA/FSA Eligible? (& Where to Buy It)
Learn when melatonin can be HSA/FSA eligible, why an LMN is typically needed, what makes it eligible, how to qualify, and how to purchase it conveniently.
Read
8 Best Super Greens Powders (That Are Also HSA/FSA Eligible)
Learn how super greens powder works, tips to get the best results, and compare the leading super greens powders so you can find the right fit for you.
Read
10 Best Period Underwear (That Are Also HSA/FSA Eligible)
Compare the 10 best period underwear, their health and cost benefits, and how to determine if you’re eligible to buy them using your HSA or FSA funds.
Read
Is Toothpaste HSA or FSA Eligible? (And How to Buy It)
Understand why toothpaste doesn’t automatically qualify as HSA or FSA eligible, and what qualifying conditions and documentation can make it eligible.
Read
IRS Raises 2027 HSA Contribution Limits to $4,500 and $9,000
The IRS raised 2027 HSA contribution limits to $4,500 (self-only) and $9,000 (family), up from $4,400 and $8,750. Here are the full 2027 HSA and HDHP limits, the age-55 catch-up, and what changed under the One Big Beautiful Bill Act.
Read
What Is a Lifestyle Spending Account (LSA)? A Guide to LSA Benefits, Eligible Expenses, and How LSAs Work With Your HSA/FSA
Lifestyle Spending Accounts (LSAs) are one of the most flexible employer benefits on the market. Here's what an LSA covers, how it compares to an HSA or FSA, and how to stack all three to maximize your pre-tax savings on wellness.
Read
Rules for Claiming HSA Expenses from Previous Years
Find out how you can claim HSA expenses from previous years, including what the rules are and how reimbursements work when withdrawing funds for purchases.
Read
Using Your HSA/FSA for Fertility Treatments & Devices
Learn which fertility treatments, tests, and monitors are HSA/FSA eligible and how to easily buy approved products using your benefits funds online today.
Read
How & Where To Buy HSA/FSA Approved Shoes for Women
Find out when women’s shoes are HSA and FSA eligible, why a Letter of Medical Necessity (LMN) is almost always required, and how to buy them conveniently.
Read
FSA Eligible Items List (2026): 200+ Expenses Your FSA Can Cover
A list of 200+ FSA eligible items and expenses, which ones need a Letter of Medical Necessity, and what a health FSA can’t pay for.
Read
HSA Contribution Deadline: When It Is & How It Works
Find out precisely what the HSA contribution deadline is, when it is, and how it works so you can maximize your tax-advantaged dollars and avoid penalties.
Read
Where & How To Buy HSA/FSA Eligible Period Underwear
Learn whether period underwear is HSA or FSA eligible, when you may need an LMN, and how to purchase qualifying products using your healthcare benefits.
Read
Are Pads HSA/FSA Eligible & Where Can You Buy Them?
Learn when and why menstrual pads are HSA and FSA eligible, which period products qualify, and how and where to buy pads using your HSA or FSA online.
Read
HSA Reimbursement Rules, Timelines, & How It Works
Learn how HSA reimbursement rules work, including timelines and time limits, eligibility, examples, and when and how to reimburse yourself from your HSA.
Read
HSA Withdrawal Rules, Taxes, and How To Do It Properly
We go over the HSA withdrawal rules, including when withdrawals are taxable, how to avoid penalties, and how to withdraw funds properly from your HSA.
Read
A Guide To HSA and Medicare Contributions & Eligibility
Learn how HSA eligibility works with Medicare, when contributions must stop, potential penalties, & how to use your HSA funds after enrolling in Medicare.
Read
HSA Family Coverage Rules: Spouses, Friends, Dependents
Learn the HSA family coverage rules and who qualifies as an HSA dependent. Find out if you can use your HSA for a spouse, children, and tax dependents.
Read
Can You Use Your HSA/FSA for Endurance Races?
Learn when endurance race fees, training costs, and recovery products may qualify for HSA/FSA. Understand how a Letter of Medical Necessity can make race expenses eligible.
Read
Medicare Flex Card Eligibility, Benefits, & Scams Guide
Learn what a Medicare flex card is, how it works, who qualifies, key benefits, whether you can have a card in addition to an HSA or FSA account or plan.
Read
Critical HSA Taxes & Deductions Questions Answered
We answer the most important questions asked about HSAs and taxes, including whether your HSA contributions are tax deductible and what you need to report.
Read
How To Invest HSA Funds To Strategically Grow Over Time
Learn how to invest your Health Savings Account (HSA) funds, understand key rules, and explore strategic options to grow your tax-free funds over time.
Read
Is Semaglutide HSA/FSA Eligible? (+ How to Buy Online)
Learn when semaglutide qualifies for HSA and FSA use, which medical conditions support eligibility, and how to buy programs with using your HSA/FSA funds.
Read
How & When You Can Use HSA/FSA for a Gym Membership
Learn when gym memberships qualify as HSA and FSA eligible, when you need a medical letter, and how to buy eligible memberships online with ease today.
Read
How To Buy HSA/FSA Eligible Tampons & When You Can
Find out when tampons qualify as HSA/FSA eligible, whether a medical letter is needed, and how to purchase eligible tampons online with your benefits.
Read
When & Where You Can Use Your HSA/FSA Funds For Pilates
Is pilates HSA or FSA eligible? Learn when pilates qualifies, if you need a Letter of Medical Necessity, and how to buy with HSA or FSA funds for classes.
Read
10 Surprising HSA/FSA Eligible Items You Can Buy Online
From sleep trackers to posture gear, here are 10 surprising HSA/FSA-eligible items your pre-tax dollars can cover, and where you can buy them online.
Read
Can You Lose Unspent HSA Money At Year End?: Explained
We explain why HSA money doesn’t expire at the end of the year, what happens to unspent funds, and creative ways to spend your HSA funds efficiently.
Read
Do HSA Funds Expire? (HSA Rollover Rules Explained)
Do HSA funds expire or follow a use it or lose it rule? Learn how HSA rollover works, how long funds last, and how to spend your HSA wisely & efficiently.
Read
When Are Supplements HSA/FSA Eligible + Where To Buy
Learn when supplements are HSA and FSA eligible, which medical conditions qualify, and how to buy approved supplements using your HSA or FSA directly.
Read
Best HSA/FSA Approved Shoes & When They Qualify
Learn which types of shoes qualify for HSA or FSA spending, which conditions apply, and how to buy eligible shoes online using your HSA or FSA account.
Read
When & How To Pay for Yoga Classes With Your HSA/FSA
Learn when yoga is HSA and FSA eligible, which conditions qualify, and how to pay for yoga classes or programs using your tax-advantaged health funds.
Read
Where To Get HSA/FSA Eligible Red Light Therapy
Learn when red light therapy is HSA and FSA eligible, what medical conditions qualify, and how to buy approved devices and services using your funds.
Read
Are Running Shoes HSA or FSA Eligible & Where to Buy Them
Learn when running shoes qualify as HSA/FSA eligible, which medical conditions require an LMN, and how to buy approved footwear easily in the Flex Shop.
Read
How To Buy An Oura Ring with HSA/FSA Eligible Funds
We’ll explain when the Oura Ring is HSA/FSA eligible, how to buy one online with HSA/FSA funds, and some key things to know before making the purchase.
Read
HSA/FSA Stores Where You Can Use Your Accounts Online
Learn where you can spend your HSA/FSA money online, and explore a wide range of products you may not realize are HSA/FSA-eligible with most providers.
Read
55 Online Shops Where You Can Use Your HSA/FSA Card
We’ll show you over 50+ online stores where you can use your HSA/FSA card to make purchases on qualifying medical expenses, and how to do it at checkout.
Read
3 Easiest Ways To Get a Letter of Medical Necessity Online
Find out how to get a Letter of Medical Necessity (LMN) online, including the three main methods to do it and how to check if it’s a legitimate provider.
Read
Does Your FSA Roll Over? Use It or Lose It, Carryover & Grace Period Rules (2026)
Does your FSA roll over? We explain the FSA “use it or lose it” rule, 2026 carryover limits, how the FSA grace period works, and how to spend leftover FSA money before it expires.
Read
How to Get a Letter of Medical Necessity for Gym Memberships
Find out when a letter of medical necessity (LMN) qualifies a patient to purchase a gym membership using their HSA/FSA account, and why it’s critical.
Read
Your 2026 Open Enrollment Cheat Sheet: 7 Terms You Actually Need to Know
Confused by health benefits jargon during open enrollment? This quick 2025 cheat sheet breaks down 7 essential terms like deductibles, copays, HSAs, and FSAs so you can choose a plan that fits your needs and save smart with confidence.
Read
A Guide for Shoppers: Which Skincare Products Are HSA/FSA Eligible?
Learn which skincare products qualify for HSA/FSA reimbursement, when prescriptions or medical necessity are required, and how consumers can use health-spending accounts to save on skincare.
Read
How To Use Your FSA Money Before the End of the Year
We explain when and how FSA money expires at the end of the year, creative ways to spend your funds before they expire, and great products to use it on.
Read
Is Theragun HSA/FSA Eligible? Yes — and Now Even More Products Qualify with the Flex x Therabody Partnership
If you’ve ever wished your recovery routine could be covered by your HSA or FSA, you’re in luck—Therabody and Flex are making it happen.
Read
Is Protein Powder HSA and FSA Eligible?
Your blender may be ready, but is your HSA or FSA? Learn whether you can bulk up while keeping your wallet slim.
Read
Is ARMRA Colostrum HSA or FSA Eligible?
Boost your immune barrier while saving a buck when you use your HSA or FSA to buy ARMRA Colostrum.
Read
Can Sales Tax on Eligible HSA or FSA Items Be Reimbursed?
🤔 Did you know that your purchase AND sales tax can be covered by your HSA or FSA for qualified expenses? Maximize your savings with these sales tax tips.
Read
Can You Use Your HSA/FSA To Pay For a Personal Trainer?
Personal training may be your key to better health in 2025.
Read
Are Fitness Apps HSA/FSA Eligible?
Health and wellness training in the palm of your hand.
Read
Can You Use HSA/FSA For Weight Loss Programs?
Tip the scales in your favor — get support for weight loss programs with help from your HSA or FSA.
Read
Are Probiotics HSA & FSA Eligible? (& How to Buy Them)
Learn when probiotics qualify for HSA and FSA use, when you need a Letter of Medical Necessity, and how to buy eligible probiotics using your benefits.
Read
Are Fitness Programs & Classes HSA/FSA Eligible?
Fitness funds: Make your HSA and FSA work as hard as you do.
Read
Parents Want to Know: Are Diapers FSA Eligible?
This baby essential can be a burden on budget.
Read
Top HSA/FSA Approved Exercise Equipment & Where to Buy
Understand how HSA and FSA eligibility works for exercise equipment, when documentation is required, and how to purchase equipment that qualifies easily.
Read
Paired With Savings: Does Pair Eyewear Take HSA or FSA?
Stand out from the crowd with Pair Eyewear's changeable frame toppers.
Read
How to Maximize Your HSA and FSA Savings This Open Enrollment Season
It’s time to start planning for health coverage — and savings
Read
Oral Rehydration Solutions: Are Electrolytes HSA/FSA Eligible?
Dehydration got you down? Rehydrate with your HSA or FSA.
Read
When Mattresses Are HSA/FSA Eligible & How To Buy Them
Learn when mattresses qualify for HSA or FSA use, which medical conditions apply, and how to buy eligible sleep products online with confidence today.
Read
Are Heating Pads and Other Menopause Treatments HSA/FSA Eligible?
Minimize menopause symptoms with treatments covered by your HSA and FSA.
Read
Are Compression Socks HSA/FSA Eligible & Where To Buy Them
Learn when compression socks qualify for HSA/FSA funds, what conditions make them eligible, and how to buy approved styles through trusted HSA/FSA shops.
Read
Is WHOOP HSA/FSA Eligible?
Achieve your peak fitness and price performance with the WHOOP 4.0 Fitness Tracker.
Read
How to Buy a Molekule Air Purifier With Your FSA or HSA
Improve your home’s air quality and save money too — now that’s a breath of fresh air!
Read
Can You Buy the Lumen Metabolism Tracker With Your HSA/FSA?
Learn about your unique metabolism in order to make smarter lifestyle choices and nutrition decisions with Lumen.
Read
Sweat Smarter: Are Saunas HSA or FSA Eligible?
Hot tip: You may be able to save money on your next sauna visit.
Read
How Your HSA/FSA Can Help with Menstrual Pain Relief
We can’t offer up pain-free periods, but these options — ranging from old remedies to new tech — can help make them more manageable.
Read
A Sound Investment: Are Hearing Aids HSA/FSA Eligible?
Health insurance generally doesn’t cover the cost of hearing aids. Luckily, you can save with your HSA or FSA.
Read
Are Feminine Hygiene Products HSA/FSA Eligible?
Learn how to mix flow and finance for a more affordable period.
Read
Beyond the Numbers: Are Body Composition Scales HSA/FSA Eligible?
How to leverage your HSA/FSA for a smart scale and smarter you.
Read
Hands-On Wellness: Can You Use Your HSA/FSA for a Massage?
Get a helping hand from your HSA/FSA for that much-needed massage
Read
Shades & Savings: Can You Buy Sunglasses With Your HSA/FSA?
Protect your eyes — and your wallet — with this HSA/FSA guide to sunglasses.
Read
How Does HSA and FSA Reimbursement Work?
Learn how to save with confidence and get reimbursed with ease.
Read
Can You Buy Incontinence Products With Your HSA or FSA?
Say goodbye to leaks and hello to confidence.
Read
How to Buy Sunscreen with an HSA/FSA Plan in 2025
We explore when sunscreen is eligible to be purchased through your HSA/FSA, and cover the eligibility requirements you should consider before buying one.
Read
Are Vitamins FSA/HSA Eligible & What You Can Buy
Learn when vitamins qualify for HSA and FSA use, when you need a Letter of Medical Necessity, and how to buy eligible vitamins online with Flex today.
Read
Are Blue Light Blocking Glasses HSA or FSA Eligible?
How HSA and FSA-subsidized spectacles can help you save your sight, sleep and sanity.
Read
Bye, Bye Back Pain: Use Your HSA/FSA for Posture Correctors
Bad posture is a modern but fixable problem. With posture correctors, you can improve your form, reduce neck and back pain, and pay for it with your HSA.
Read
How to Tell if Your Heart Is Healthy With Help From Your HSA/FSA
Follow your heart for a happier, healthier you.
Read
Can You Use HSA for Dental Care? HSA & FSA Dental Guide (2026)
You can use your HSA or FSA for most dental care, from cleanings and fillings to braces and implants. Here’s what’s eligible, what isn’t, and how to pay.
Read
Tips for a Successful Dry January (and Beyond)
A journey of mocktails, mindfulness, and self-discovery this new year
Read
Smart Parenting: Save More with HSA and FSA Eligible Baby Items
Give your baby, and your budget, a healthy start.
Read
Eyewear Economics: Can You Use HSA/FSA to Pay for Glasses?
A clear-eyed 🤓 look at how you can use your HSA or FSA to pay for new glasses, eyewear, or accessories.
Read
Are Air Purifiers HSA/FSA Eligible? (& How to Buy One)
Air purifiers can be HSA/FSA eligible for qualifying customers with a Letter of Medical Necessity. See which conditions qualify and how to pay with Flex.
Read
Metabolic Testing at Home: Better Health Insights Covered by Your HSA
Elevate your wellness journey with at-home metabolic testing. Learn how personalized insights can improve your health and how to pay for it with your HSA or FSA.
Read
Are Orthopedic Shoes & Inserts HSA & FSA Eligible?
Step into comfort and support with our guide to orthopedic shoes. Learn about what footwear options are available and how to pay for them with your HSA or FSA.
Read
What Is A Letter Of Medical Necessity?
A Letter of Medical Necessity (LMN) is a doctor's note allowing HSA/FSA spending on medically necessary items not IRS-approved. Flex simplifies the process for consumers by partnering with merchants, streamlining checkout, and eliminating reimbursements.
Read
What Can You Use Your HSA and FSA For? A Comprehensive Guide
How to guide: Learn to use your HSA and FSA for better health! Discover smart ways to spend your health savings account on medical and wellness products.
Read
HSA vs FSA: Key Differences and How to Choose (2026)
HSAs and FSAs both let you pay for medical expenses with pre-tax dollars, but they differ on eligibility, ownership, limits, and roll-over. Here's how they compare in 2026 and how to choose.
Read