The deadline to use the money in your FSA is December 31, 2025. You can roll over up to $640 from 2025 to 2026 if you enroll in a healthcare FSA for 2026, but any additional funds will be forfeited at the end of the year, and you cannot roll over any money if you do not open an FSA in 2026. FSA enrollment does not continue from year to year, so you must actively enroll during Open Enrollment and choose to open an FSA each year you wish to participate in a healthcare FSA.