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Year-end benefits

Use your FSA or HSA on lab tests before the year ends

Every TestWell test is a qualified medical expense. Pay with your FSA or HSA card at checkout, or pay by card and submit our itemized receipt. The expense counts on the day your blood is drawn — not when you order or when results post — so a draw on December 30 with results in January still uses this year’s balance.

Order by Dec 26

Your requisition arrives within minutes of physician authorization; the buffer is for holiday lab hours.

Be drawn by Dec 30

Walk into any Quest or Labcorp (BioReference in NY/NJ). Reduced hours Dec 24–25 and Jan 1.

FSA/HSA card or receipt

Card works like any debit card. Or pay normally and claim with the itemized receipt — tests, provider, date, the $6 fee.

Browse all tests The deadline rules, in full

What to order with what’s left

Prices are the list price per test or panel; “all-in” adds the one $6 lab processing fee per order — so two tests on one order share a single fee.

How the paperwork works

  • A licensed physician authorizes every order — usually within minutes — so your receipt shows a provider.
  • Pay with the FSA/HSA debit card at checkout, or pay by card and claim later.
  • The itemized receipt in your account lists the provider, date of service, each test, the $6 lab processing fee, the amount and the card used — what plan administrators ask for.
  • No insurance is billed, so there is no EOB to wait for.

The dates, in one place

December 31
FSA plan-year deadline for most plans. Unused money is forfeited unless your plan has a grace period or a carryover (one or the other, never both).
Up to March 15
If your plan offers the grace period — up to 2 months 15 days to incur new expenses on the old balance.
Up to $680
If your plan offers the carryover instead — the maximum of unused 2026 funds that moves into 2027.
HSA: no deadline
HSA money rolls over. Same eligible tests, no rush — but December is still when a met deductible and a benefits year run out.

Questions people ask in December

Are lab tests FSA and HSA eligible?

Yes. Laboratory fees are a qualified medical expense under IRS Publication 502, whether a doctor ordered the test or you did. Every TestWell order is authorized by a licensed physician, and the receipt names the provider, each test, the date of service and the amount.

Which date counts — when I order, when I'm drawn, or when results post?

The blood-draw date. A test drawn on December 30 with results in January is a 2026 expense. Order by December 26 so the requisition is in hand and you can walk in before holiday hours thin out; be drawn by December 30.

What is the FSA deadline?

December 31 for a calendar plan year, which is the default. Unspent money is forfeited unless your employer's plan offers one of two exceptions: a grace period of up to 2 months 15 days to incur new expenses, or a carryover of up to $680 of unused 2026 funds. Check your plan documents or ask HR which, if either, applies to you.

Does an HSA have a deadline?

No. HSA money rolls over indefinitely, so there is no year-end rush — but the same tests are eligible, and December is still the month many people use a met deductible or finish a benefits year.

How do I pay with my FSA or HSA?

Use the FSA or HSA debit card at checkout — it works like any other card. If you would rather pay with a regular card and submit a claim, download the itemized receipt from your account: it lists the provider, date of service, each test, the $6 lab processing fee, the amount and the card used, which is what plan administrators ask for.

The longer reads

Benefits rules are summarized from IRS Publication 502 and the 2026 limits in Rev. Proc. 2025-32; your employer’s plan documents govern grace periods, carryovers and run-out windows. This page is not tax advice.