<prompt> Human: I recently got a new job after finishing grad school. For the first time in three years, Ive got dental insurance and an Health Savings Account. Knowing that I needed extensive dental work, I populated the HSA with 1500 to pay for the charges not covered by my insurance. However, after several new fillings and a crown, my portion of the dental work was about 800. Obviously, I was expecting more out-of-pocket expenses. Now I need to use the remaining balance in the HSA before the end of the year or I loose it HSA contributions are deducted from each of my paychecks. I dont have any other significant medical expenses at the moment, and I dont know of other options to use this money for.On a side note, my girlfriend and I are taking some pre-marital counselling once a month. However, this is not billed to either of our insurance companies. The counselor gives us a special rate of 85hour instead of billing insurance. According to him, we would have to pay the insurance rate of 105hour to make it an HSA eligible expense. Is this true, and why?  <response>: Suggestions: Many flex spending accounts include a grace period to overlap with the following year. For example, my 2016 flex spending account can be used as late as March 2017. Look in the list of eligible expenses. Youll likely find contact lens solution if you use that, first aid kits and supplies, etc. Theres likely something on there you can stock up on. 