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data-l1itemtitle="Credit cards">Best credit cards</button><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/the-best-credit-cards?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/credit-cards/bonus-offers?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best bonus offer credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/credit-cards/balance-transfer?trk=nw_gn_6.0" data-index="2" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best balance transfer credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/credit-cards/travel?trk=nw_gn_6.0" data-index="3" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best travel credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/credit-cards/cash-back?trk=nw_gn_6.0" data-index="4" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best cash back credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/credit-cards/zero-percent?trk=nw_gn_6.0" data-index="5" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best 0% APR credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/credit-cards/rewards?trk=nw_gn_6.0" data-index="6" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best rewards credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/credit-cards/airline?trk=nw_gn_6.0" data-index="7" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best airline credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/credit-cards/college-student?trk=nw_gn_6.0" data-index="8" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best college student credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/credit-cards/groceries?trk=nw_gn_6.0" data-index="9" data-l1itemtitle="Credit cards" data-l2itemtitle="Best credit cards">Best credit cards for groceries</a></div><div class="_-54nYma"><a class="l2ItemMobile _5UkhAJP n3lO-jR" href="https://www.nerdwallet.com/compare/credit-cards?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Credit cards">Compare credit cards</a></div><div class="_-54nYma"><button class="l2ItemMobile _5UkhAJP" data-index="2" data-l1itemtitle="Credit cards">Get a card recommendation</button><a class="l3ItemViewAllLinkMobile zk-jai6 HpU1Mpi" data-index="1" href="https://www.nerdwallet.com/card-finder-jump?trk=nw_gn_6.0" data-l1itemtitle="Credit cards" data-l2itemtitle="Get a card recommendation">Card recommendation guide</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/recommend/primary-goal/travel?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Credit cards" data-l2itemtitle="Get a card recommendation">Travel rewards and perks</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/recommend/primary-goal/cash-back?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Credit cards" data-l2itemtitle="Get a card recommendation">Earn cash back</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/recommend/primary-goal/debt?trk=nw_gn_6.0" data-index="2" data-l1itemtitle="Credit cards" data-l2itemtitle="Get a card recommendation">Pay down debt</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/recommend/primary-goal/big-purchase?trk=nw_gn_6.0" data-index="3" data-l1itemtitle="Credit cards" data-l2itemtitle="Get a card recommendation">Make a big purchase</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/m/credit-cards/analyze/get-started?trk=nw_gn_6.0" data-index="4" data-l1itemtitle="Credit cards" data-l2itemtitle="Get a card recommendation">Get your approval odds</a></div><div class="_-54nYma"><a class="l2ItemMobile _5UkhAJP n3lO-jR" href="https://www.nerdwallet.com/article/credit-cards/credit-card-reviews?trk=nw_gn_6.0" data-index="3" data-l1itemtitle="Credit cards">Credit card reviews</a></div><div class="_-54nYma"><button class="l2ItemMobile _5UkhAJP" data-index="4" data-l1itemtitle="Credit cards">Credit card calculators</button><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/article/credit-cards/balance-transfer-calculator?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Credit cards" data-l2itemtitle="Credit card calculators">Balance transfer savings calculator</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/article/credit-cards/credit-card-interest-calculator?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Credit cards" data-l2itemtitle="Credit card calculators">Credit card interest rate 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data-l1itemtitle="Credit cards" data-l2itemtitle="Guides and resources">Business credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/h/category/airline-credit-cards?trk=nw_gn_6.0" data-index="4" data-l1itemtitle="Credit cards" data-l2itemtitle="Guides and resources">Airline credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/h/category/hotel-credit-cards?trk=nw_gn_6.0" data-index="5" data-l1itemtitle="Credit cards" data-l2itemtitle="Guides and resources">Hotel credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/h/category/student-credit-cards?trk=nw_gn_6.0" data-index="6" data-l1itemtitle="Credit cards" data-l2itemtitle="Guides and resources">Student credit cards</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/h/category/store-credit-cards?trk=nw_gn_6.0" data-index="7" data-l1itemtitle="Credit cards" data-l2itemtitle="Guides and resources">Store credit cards</a><div class="_3nQNBe4"><span class="kE80e8S">Resources</span><div class="raDUJeJ" data-index="0"> <a class="ToolsandResourceMobile QGAd6l3" href="https://www.nerdwallet.com/lp/free-credit-score?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Credit cards" data-l2itemtitle="Guides and resources"> Get your free credit score </a> </div> <div class="raDUJeJ" data-index="1"> <a class="ToolsandResourceMobile QGAd6l3" href="https://www.nerdwallet.com/h/category/credit-card-basics?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Credit cards" data-l2itemtitle="Guides and resources"> Credit card basics </a> </div> <div class="raDUJeJ" data-index="2"> <a class="ToolsandResourceMobile QGAd6l3" href="https://www.nerdwallet.com/h/category/applying-for-a-credit-card?trk=nw_gn_6.0" data-index="2" data-l1itemtitle="Credit cards" data-l2itemtitle="Guides and resources"> Applying for a credit card </a> </div> <div class="raDUJeJ" data-index="3"> <a class="ToolsandResourceMobile QGAd6l3" 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class="aWt-a9U pDTTrdl SAr-COI"></i> <span class="_41itwN- SAr-COI"> Banking </span> <i class="aWt-a9U AcZeOcM undefined SAr-COI"></i> </span> </label> <div class="HPycb3y"> <div class="xRN3sES"> <span class="_8cNbUMn AT26PiC"> <input class="o4YAN6S" id="BANKING-close" type="radio" name="sidebarRadio"> <label class="xi9oFea" for="BANKING-close"> <i class="aWt-a9U whG7NLV"></i> </label> </span> <ul class="_8cNbUMn"> <li class="SkCugqP"> Banking </li> <li class="urXFpEh"> <a class="l1ItemViewAllLinkMobile SkCugqP _3GTpA-U" href="https://www.nerdwallet.com/h/category/banking?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Banking"> Banking guide <i class="aWt-a9U bzTSWZT"></i> </a> </li> </ul> </div> <div class="G02fi-e"><div class="DTEF2NB"><div class="_-54nYma"><button class="l2ItemMobile _5UkhAJP" data-index="0" data-l1itemtitle="Banking">Savings accounts</button><a class="l3ItemViewAllLinkMobile zk-jai6 HpU1Mpi" data-index="1" href="https://www.nerdwallet.com/h/category/savings-accounts?trk=nw_gn_6.0" data-l1itemtitle="Banking" data-l2itemtitle="Savings accounts">Savings account guide</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/banking/savings-accounts?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Banking" data-l2itemtitle="Savings accounts">Best savings accounts</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Banking" data-l2itemtitle="Savings accounts">Best high-yield savings accounts</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/h/category/savings-alternatives?trk=nw_gn_6.0" data-index="2" data-l1itemtitle="Banking" data-l2itemtitle="Savings accounts">Savings accounts alternatives</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/calculator/savings-calculator?trk=nw_gn_6.0" data-index="3" data-l1itemtitle="Banking" 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zk-jai6" href="https://www.nerdwallet.com/best/banking/1-year-cd-rates?trk=nw_gn_6.0" data-index="3" data-l1itemtitle="Banking" data-l2itemtitle="CDs">Best 1 year CD rates</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/banking/3-year-cd-rates?trk=nw_gn_6.0" data-index="4" data-l1itemtitle="Banking" data-l2itemtitle="CDs">Best 3 year CD rates</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/banking/5-year-cd-rates?trk=nw_gn_6.0" data-index="5" data-l1itemtitle="Banking" data-l2itemtitle="CDs">Best 5 year CD rates</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/calculator/cd-calculator?trk=nw_gn_6.0" data-index="6" data-l1itemtitle="Banking" data-l2itemtitle="CDs">CD calculator</a></div><div class="_-54nYma"><button class="l2ItemMobile _5UkhAJP" data-index="2" data-l1itemtitle="Banking">Checking accounts</button><a class="l3ItemViewAllLinkMobile zk-jai6 HpU1Mpi" data-index="1" href="https://www.nerdwallet.com/h/category/checking-accounts?trk=nw_gn_6.0" data-l1itemtitle="Banking" data-l2itemtitle="Checking accounts">Checking account guide</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/banking/checking-accounts?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Banking" data-l2itemtitle="Checking accounts">Best checking accounts</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/p/best/banking/free-checking-accounts?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Banking" data-l2itemtitle="Checking accounts">Best free checking accounts</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/banking/online-checking-accounts?trk=nw_gn_6.0" data-index="2" data-l1itemtitle="Banking" data-l2itemtitle="Checking accounts">Best online check accounts</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/article/banking/big-bank-alternatives?trk=nw_gn_6.0" data-index="3" data-l1itemtitle="Banking" data-l2itemtitle="Checking accounts">Checking account alternatives</a></div><div class="_-54nYma"><a class="l2ItemMobile _5UkhAJP n3lO-jR" href="https://www.nerdwallet.com/h/category/payments-money-transfers?trk=nw_gn_6.0" data-index="3" data-l1itemtitle="Banking">Payments and transfers</a></div><div class="_-54nYma"><button class="l2ItemMobile _5UkhAJP" data-index="4" data-l1itemtitle="Banking">NerdWallet's banking picks</button><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/banking/best-bank-bonuses-and-promotions?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Banking" data-l2itemtitle="NerdWallet's banking picks">Best bank bonuses and promotions</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/banking/money-market-accounts?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Banking" data-l2itemtitle="NerdWallet's banking picks">Best money market accounts</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/banking/best-credit-unions?trk=nw_gn_6.0" data-index="2" data-l1itemtitle="Banking" data-l2itemtitle="NerdWallet's banking picks">Best credit unions</a></div><div class="_-54nYma"><a class="l2ItemMobile _5UkhAJP n3lO-jR" href="https://www.nerdwallet.com/article/banking/bank-credit-union-reviews?trk=nw_gn_6.0" data-index="5" data-l1itemtitle="Banking">Bank reviews</a></div><div class="_-54nYma"><button class="l2ItemMobile _5UkhAJP" data-index="6" data-l1itemtitle="Banking">Banking calculators</button><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/calculator/compound-interest-calculator?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Banking" data-l2itemtitle="Banking calculators">Compound interest calculator</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/article/banking/emergency-fund-calculator?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Banking" data-l2itemtitle="Banking calculators">Emergency fund calculator</a></div></div></div> </div> <input type="radio" id="HOME" class="l1ItemCheckbox rDRzptW" name="sidebarRadio"> <label for="HOME" class="_6V-jrC0"> <span data-index="2" class="l1ItemMobile xiAfymi GvBAKMn"> <i class="aWt-a9U _3NWQxgw SAr-COI"></i> <span class="_41itwN- SAr-COI"> Home </span> <i class="aWt-a9U AcZeOcM undefined SAr-COI"></i> </span> </label> <div class="HPycb3y"> <div class="xRN3sES"> <span class="_8cNbUMn AT26PiC"> <input class="o4YAN6S" id="HOME-close" type="radio" name="sidebarRadio"> <label class="xi9oFea" for="HOME-close"> <i class="aWt-a9U whG7NLV"></i> </label> </span> <ul class="_8cNbUMn"> <li class="SkCugqP"> Home </li> </ul> </div> <div class="G02fi-e"><div class="DTEF2NB"><div class="_-54nYma"><button class="l2ItemMobile _5UkhAJP" data-index="0" data-l1itemtitle="Home">Mortgage rates</button><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/mortgages/mortgage-rates?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Home" data-l2itemtitle="Mortgage rates">Today's mortgage rates</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/mortgages/mortgage-rates/30-year-fixed?trk=nw_gn_6.0" data-index="1" data-l1itemtitle="Home" data-l2itemtitle="Mortgage rates">30 year mortgage rates</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/mortgages/mortgage-rates/5-1-arm?trk=nw_gn_6.0" data-index="2" data-l1itemtitle="Home" data-l2itemtitle="Mortgage rates">5-year ARM rates</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/mortgages/mortgage-rates/3-1-arm?trk=nw_gn_6.0" data-index="3" data-l1itemtitle="Home" data-l2itemtitle="Mortgage rates">3-year ARM rates</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/mortgages/mortgage-rates/fha?trk=nw_gn_6.0" data-index="4" data-l1itemtitle="Home" data-l2itemtitle="Mortgage rates">FHA mortgage rates</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/mortgages/mortgage-rates/va?trk=nw_gn_6.0" data-index="5" data-l1itemtitle="Home" data-l2itemtitle="Mortgage rates">VA mortgage rates</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/mortgages/mortgage-lenders?trk=nw_gn_6.0" data-index="6" data-l1itemtitle="Home" data-l2itemtitle="Mortgage rates">Best mortgage lenders</a></div><div class="_-54nYma"><button class="l2ItemMobile _5UkhAJP" data-index="1" data-l1itemtitle="Home">Best mortgage lenders</button><a class="l3ItemViewAllLinkMobile zk-jai6 HpU1Mpi" data-index="1" href="https://www.nerdwallet.com/h/category/mortgages?trk=nw_gn_6.0" data-l1itemtitle="Home" data-l2itemtitle="Best mortgage lenders">Mortgage guide</a><a class="l3ItemMobile zk-jai6" href="https://www.nerdwallet.com/best/mortgages/mortgage-lenders?trk=nw_gn_6.0" data-index="0" data-l1itemtitle="Home" data-l2itemtitle="Best mortgage lenders">Best mortgage lenders</a><a class="l3ItemMobile zk-jai6" 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Here is a list of <a class="_21EZtY _3_uGsM _28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/blog/our-partners/" data-currency="Link">our partners</a> and <a class="_21EZtY _3_uGsM _28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/blog/advertiser-disclosure/" data-currency="Link">here's how we make money</a>.</p></div></div></div></div><div class="_2-kWs-"><div class="_2GdP-7"><div class="_3VJt4n"><div><span class="gIxhiX _21EZtY TS4Kq- _3_uGsM _28z5Fp _2G3s3O" data-currency="Text">Published <time dateTime="2017-10-24T13:00:48Z">Oct 24, 2017 6:00 a.m. PDT</time> · 3 min read</span></div></div><input type="checkbox" id="authorBylineMoreCheckbox" class="_3EAPJz"/><div class="_1LKquO PIqV0k _2sEFVU _2_Pyfm _1M1rT4"><div class="_1UwyXa"><div class="_17pW2G"><div class="_2LbTKq"><a class="_28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="http://www.nerdwallet.com/author/lacie-glover" data-currency="Link"><figure class="_3ngNGS _2kQOJb"><div class="xkItPk" style="background-color:#F7F7F7"><div class="_30SBGi x6Nm1J"><div class="_3wg9Ta" style="padding-top:100%;margin-left:-1px"></div><img alt="Profile photo of Lacie Glover" class="Zsn_9Z" src="https://www.nerdwallet.com/tachyon/2021/07/LGlover-6_30_21-Lacie-Glover-e1626908171170.jpg?resize=160%2C160"/></div></div></figure></a></div><div class="_1u1lc_"><div class="_1CN-0A">Written by <a class="_28z5Fp WnBKuV _2JIHTU vLzrnO _3mJuQ4" href="http://www.nerdwallet.com/author/lacie-glover" data-currency="Link">Lacie Glover</a></div><div class="XkgRlg"><span class="gIxhiX _21EZtY _3_uGsM _28z5Fp _1SBGft" data-currency="Text">Assigning Editor</span><div class="_2XOATK"><span class="gIxhiX _21EZtY TS4Kq- _3_uGsM _28z5Fp _2G3s3O" data-currency="Text"><button type="button" aria-expanded="false" aria-controls="nw-aria-ssr-2" aria-haspopup="dialog" data-currency="PopoverDisclosure" class="_19GC0z gIxhiX"><span class="_1Z-QXc" aria-hidden="true"></span><svg viewBox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"></path></svg></button><span id="nw-aria-ssr-2" hidden="" style="display:none;position:fixed;left:100%;top:100%" role="dialog" tabindex="0" data-dialog="true" class="_2Dnq6l"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%" class="_3extVD _3iD5Ia" aria-hidden="true"></span><div class="BojbwQ kyJ1rn _3XSQGm" style="white-space:normal;overflow-wrap:anywhere"><span class="zBOTm2"><span class="_32izoo _3hZ-By"><a class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="http://www.nerdwallet.com/author/lacie-glover" data-currency="Link"><figure class="_3ngNGS _3hZ-By"><div class="xkItPk" style="background-color:#F7F7F7"><div class="_30SBGi x6Nm1J"><div class="_3wg9Ta" style="padding-top:100%;margin-left:-1px"></div><img alt="Lacie Glover" class="Zsn_9Z" src="https://www.nerdwallet.com/tachyon/2021/07/LGlover-6_30_21-Lacie-Glover-e1626908171170.jpg?resize=160%2C160"/></div></div></figure></a></span><span><span class="_3P4ktl TS4Kq- _28z5Fp" data-currency="Text">Lacie Glover</span><br/><span class="_21EZtY TS4Kq- _3_uGsM _28z5Fp" data-currency="Text">Assigning Editor | Auto insurance, home insurance, other insurance</span></span></span><div class="_3aTJDR" style="max-height:calc(20px * 3);overflow:hidden;text-overflow:ellipsis;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical"><div class="_3wlVa6 _2247K8 _3eCw6n"><div class="_3wlVa6 _2247K8"><div class="_3wlVa6 _2247K8"><span class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _3-to_p"><span class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _3-to_p">Lacie Glover spent more than five years covering health care costs and all types of insurance as a NerdWallet writer before becoming an assistant assigning editor in 2019 and later an assigning editor on the insurance team. As a writer, her work was featured in The Associated Press, The Motley Fool and U.S. News & World Report. Lacie is a NerdWallet authority on insurance products and loves data, analytics and solving SEO mysteries.</span></span></div></div><span class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _3-to_p"> </span></div></div><div class="_2ZVHKL"><span class="_1AkLOP"><a class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _2HC8d7 _2JIHTU vLzrnO _3mJuQ4" href="https://www.linkedin.com/in/lacieglover/" data-currency="Link"><svg viewBox="0 0 2048 2048" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M43 725h426v1323H43V725zm1109 1323v-768q0-123 67.5-189.5T1389 1024q103 0 167.5 73.5T1621 1323v725h427v-768q0-282-141-439.5T1536 683q-122 0-219 61t-165 164l-14-183H718l7 299v1024h427zM254 512h-3q-111 0-181-67.5T0 277q0-101 71.5-167.5T258 43q113 0 182.5 66.5T512 277q0 101-71 168t-187 67z"></path></svg></a></span><a class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _2y0Tbi _2JIHTU vLzrnO _3mJuQ4" href="http://www.nerdwallet.com/author/lacie-glover" data-currency="Link">See full bio.</a></div></div></span></span></div></div></div></div><div class="_3Spe0N"><label for="authorBylineMoreCheckbox" role="button" aria-label="Show more authors"><span class="gIxhiX _3P4ktl TS4Kq- _28z5Fp _2G3s3O" data-currency="Text"><span>+ </span><span class="_1jDc7I"></span><span> more </span><span><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none" class="_1p-FFP moreSvg"><path d="M6.17188 6.66666L10 10.4948L13.8281 6.66666L15 7.83853L10 12.8385L5 7.83853L6.17188 6.66666Z" fill="#005FB9"></path></svg></span></span></label></div></div><div class="_1UwyXa"><div class="_17pW2G"><div class="_2LbTKq"><a class="_28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/author/brad-walters" data-currency="Link"><figure class="_3ngNGS _2kQOJb"><div class="xkItPk" style="background-color:#F7F7F7"><div class="_30SBGi x6Nm1J"><div class="_3wg9Ta" style="padding-top:100%;margin-left:-1px"></div><img alt="Profile photo of Brad Walters" class="Zsn_9Z" src="https://www.nerdwallet.com/tachyon/2022/12/IMG_4974_Original.jpg?resize=160%2C160"/></div></div></figure></a></div><div class="_1u1lc_"><div class="_1CN-0A">Edited by <a class="_28z5Fp WnBKuV _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/author/brad-walters" data-currency="Link">Brad Walters</a></div><div class="XkgRlg"><span class="gIxhiX _21EZtY _3_uGsM _28z5Fp _1SBGft" data-currency="Text"></span><div class="_2XOATK"><span class="gIxhiX _21EZtY TS4Kq- _3_uGsM _28z5Fp _2G3s3O" data-currency="Text"><span class="_21EZtY TS4Kq- _3_uGsM _28z5Fp"> </span><button type="button" aria-expanded="false" aria-controls="nw-aria-ssr-3" aria-haspopup="dialog" data-currency="PopoverDisclosure" class="_19GC0z gIxhiX" title="More information about  "><span class="_1Z-QXc" aria-hidden="true"></span><svg viewBox="0 0 24 24" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z"></path></svg></button><span id="nw-aria-ssr-3" hidden="" style="display:none;position:fixed;left:100%;top:100%" role="dialog" tabindex="0" data-dialog="true" class="_2Dnq6l" aria-label=" "><span style="font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%" class="_3extVD _3iD5Ia" aria-hidden="true"></span><div class="gIxhiX BojbwQ kyJ1rn _3XSQGm" style="white-space:normal;overflow-wrap:anywhere"> <span class="zBOTm2"><span class="_32izoo _3hZ-By"><a class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/author/brad-walters" data-currency="Link"><figure class="_3ngNGS _3hZ-By"><div class="xkItPk" style="background-color:#F7F7F7"><div class="_30SBGi x6Nm1J"><div class="_3wg9Ta" style="padding-top:100%;margin-left:-1px"></div><img alt="Brad Walters" class="Zsn_9Z" src="https://www.nerdwallet.com/tachyon/2022/12/IMG_4974_Original.jpg?resize=160%2C160"/></div></div></figure></a></span><span><span class="_3P4ktl TS4Kq- _28z5Fp" data-currency="Text">Brad Walters</span><br/><span class="_21EZtY TS4Kq- _3_uGsM _28z5Fp" data-currency="Text"></span></span></span><div class="_3aTJDR" style="max-height:calc(20px * 3);overflow:hidden;text-overflow:ellipsis;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical"><div class="_3wlVa6 _2247K8 _3eCw6n"><div class="_3wlVa6 _2247K8"><div class="_3wlVa6 _2247K8"><span class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _3-to_p"><span class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _3-to_p">Brad Walters is a freelance editor and writer who enjoys maximizing points and miles for premium travel. He's been to more than 60 countries and counts an overwater villa in Bora Bora as his most unforgettable points redemption.</span></span></div></div><span class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _3-to_p"> </span></div></div><div class="_2ZVHKL"><span class="_1AkLOP"></span><a class="_21EZtY TS4Kq- _3_uGsM _28z5Fp _2y0Tbi _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/author/brad-walters" data-currency="Link">See full bio.</a></div></div></span></span></div></div><div class="fgk-lu"><div class="_2EL9dd"><svg viewBox="0 0 16 16" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M5.972 11.921l-.004-.003-2.822-2.822a.5.5 0 010-.707l.708-.707a.5.5 0 01.707 0L6.328 9.45l5.304-5.304a.5.5 0 01.707 0l.707.708a.5.5 0 010 .707l-6.364 6.364a.5.5 0 01-.707 0l-.003-.004z"></path></svg></div><div class="_2y8fpg">Fact Checked</div></div></div></div><div class="_3Spe0N"><label for="authorBylineMoreCheckbox" role="button" aria-label="Show more authors"><span class="gIxhiX _3P4ktl TS4Kq- _28z5Fp _2G3s3O" data-currency="Text"><span>+ </span><span class="_1jDc7I"></span><span> more </span><span><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none" class="_1p-FFP moreSvg"><path d="M6.17188 6.66666L10 10.4948L13.8281 6.66666L15 7.83853L10 12.8385L5 7.83853L6.17188 6.66666Z" fill="#005FB9"></path></svg></span></span></label></div></div></div></div></div><div data-currency="Stack"><div><main><div class="_2_Pyfm _1gun6R"><div class="_3wlVa6 _2247K8 _3eCw6n"><div class="_3wlVa6 _2247K8"><div class="_3VJt4n"><h2 class="_3P4ktl zeCuXk _28z5Fp _1My7YX" data-currency="Text" id="this-page-may-be-out-of-date."><span class="_3P4ktl zeCuXk _3VmbAf _28z5Fp _3-to_p"><span class="_3P4ktl zeCuXk _3VmbAf _28z5Fp _3-to_p">» This page may be out of date.</span></span></h2></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_3VmbAf _28z5Fp _3-to_p"><span class="_3VmbAf _28z5Fp _3-to_p">Please visit </span><a class="_3VmbAf _28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/hub/category/health" data-currency="Link" target="_self"><span class="_3VmbAf _28z5Fp _3-to_p">NerdWallet's health hub</span></a><span class="_3VmbAf _28z5Fp _3-to_p"> for our latest content.</span></span></p></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">If you’re among the millions who get </span><a class="_28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/a/health/health-insurance" data-currency="Link" target="_self"><span class="_28z5Fp _3-to_p">health insurance</span></a><span class="_28z5Fp _3-to_p"> and other benefits from an employer, fall is open enrollment time. Among your important choices may be deciding on contributing to a flexible spending account, or FSA, and how much money you want to contribute to it.</span></p></div><div class="_3VJt4n"><div class="_32NOV3"><div class="y0hvra"></div></div></div><div class="_3VJt4n"><h2 class="_3P4ktl zeCuXk _28z5Fp _1My7YX" data-currency="Text" id="what-is-a-flexible-spending-account"><span class="_3P4ktl zeCuXk _28z5Fp _3-to_p">What is a flexible spending account?</span></h2></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">FSAs are offered by some employers as a part of a benefits package. They have some specific rules set by the IRS:</span></p></div><div class="_3VJt4n"><ul data-currency="List" class="_2cGsD8"><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">You can spend FSA money only on “qualified medical expenses,” as </span><a class="_28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.irs.gov/pub/irs-pdf/p502.pdf" data-currency="Link" rel="nofollow noopener noreferrer" target="_blank"><span class="_28z5Fp _3-to_p">determined by the IRS</span></a><span class="_28z5Fp _3-to_p">.</span></p></div></li><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">The money in an FSA comes out of your paycheck </span><a class="_28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/article/taxes/fsa-hsa-taxes" data-currency="Link" target="_self"><span class="_28z5Fp _3-to_p">before taxes</span></a><span class="_28z5Fp _3-to_p">, in regular increments. FSAs are generally pre-funded, meaning the full contribution is available to spend at the beginning of the year. If you leave your company mid-year, you will likely have to pay back spent funds that haven't been covered by your paycheck deductions yet.</span></p></div></li><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">The rule for the money is “use or lose,” meaning you lose any amount you haven't spent at the end of the year. That's unlike a health savings account, or HSA, where the money you add is yours forever.</span></p></div></li></ul></div><div class="_3VJt4n"><h2 class="_3P4ktl zeCuXk _28z5Fp _1My7YX" data-currency="Text" id="spend-your-fsa-money-by-the-deadline"><span class="_3P4ktl zeCuXk _28z5Fp _3-to_p">Spend your FSA money by the deadline</span></h2></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">“The No. 1 thing you should know about your FSA is what the deadline is,” says Ijeoma Iruke, consumer education specialist at FSAstore.com. “We work really hard, contribute these funds, get the tax benefits — it’s a total bummer if you set this money aside and you’re not able to use it.”</span></p></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">However, the IRS rules make the FSA use-or-lose-it deadline flexible. That generally plays out in two ways. Ask your benefits administrator whether your employer offers either of these options before deciding on your final contribution for the next year:</span></p></div><div class="_3VJt4n"><ul data-currency="List" class="_2cGsD8"><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">Many employers let you carry over as much as $500 in unused funds for up to a year.</span></p></div></li><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">Other employers might offer a grace period, in which you can spend the unused money in the first 2½ months of the next plan year.</span></p></div></li></ul></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_3VmbAf _28z5Fp _3-to_p"><span class="_3VmbAf _28z5Fp _3-to_p">Who do you "lose it” to? </span></span><span class="_28z5Fp _3-to_p">Any leftover money goes back to the owner of the FSA plan, most likely your employer, “to offset administrative expenses,” says Jody Dietel, chief compliance officer at WageWorks, a company that provides benefits on behalf of employers.</span></p></div><div class="_3VJt4n"><h2 class="_3P4ktl zeCuXk _28z5Fp _1My7YX" data-currency="Text" id="determining-your-fsa-amount"><span class="_3P4ktl zeCuXk _28z5Fp _3-to_p">Determining your FSA amount</span></h2></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">The FSA contribution limit in 2018 will be $2,650, which comes out to about $221 per month.</span></p></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">If your medical expenses are straightforward, here are two easy rules of thumb for choosing an FSA amount:</span></p></div><div class="_3VJt4n"><ul data-currency="List" class="_2cGsD8"><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">If your out-of-pocket medical bills typically amount to $221 a month or more — or roughly $2,650 a year — consider contributing the maximum to your FSA.</span></p></div></li><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">If your medical expenses are generally low, contributing the total of your approximate copays, dental and vision expenses for next year is probably enough.</span></p></div></li></ul></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">Medical costs can be hard to predict. You can use this year’s expenses to predict next year’s with the help of this calculator.</span></p></div><div class="_3VJt4n"><div class="_2R3hDK"><div class="_32NOV3"><div class="y0hvra"></div></div></div></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_3VmbAf _28z5Fp _3-to_p"><span class="_3VmbAf _28z5Fp _3-to_p">Adding in some wiggle room:</span></span><span class="_28z5Fp _3-to_p"> It’s helpful to have your health plan’s deductible amount set aside for an emergency if you can afford it. The average health insurance deductible in employer plans was $1,505 for an individual in 2017, according to the Kaiser Family Foundation.</span></p></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">If you can’t afford to add that amount to your FSA amount, consider adding a little more than the total of what your calculation of costs showed.</span></p></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">Iruke adds $200 to $300 for the year to her own FSA in case of an emergency. “If you have some left over, you might be surprised at what you can get with it,” she says.</span></p></div><div class="_3VJt4n"><h2 class="_3P4ktl zeCuXk _28z5Fp _1My7YX" data-currency="Text" id="what-to-do-with-extra-cash-in-your-fsa"><span class="_3P4ktl zeCuXk _28z5Fp _3-to_p">What to do with extra cash in your FSA</span></h2></div><div class="_3VJt4n"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">If you have unspent FSA money as the year is winding down, here’s what you can do:</span></p></div><div class="_3VJt4n"><ul data-currency="List" class="_2cGsD8"><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">If your FSA has the carryover option, subtract the leftover amount from next year’s contribution.</span></p></div></li><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">If your FSA has a grace period into 2018, schedule any medical visits you can during that time and use your surplus to start paying down your 2018 health insurance deductible.</span></p></div></li><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">Make sure you’re using FSA money for everything you can. Dental and vision costs are eligible, including expensive treatments such as braces and Lasik vision surgery.</span></p></div></li><li class="_3ho7K- _1pCihN olf-Ig"><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_28z5Fp _3-to_p">Spend the leftover money on things that you can use throughout 2018. All items at FSAstore.com are eligible. Product examples include thermometers, blood pressure monitors and sunscreen with a sun protection factor, or SPF, of 30 or higher. You can’t use FSA money for over-the-counter drugs such as Tylenol unless you have a prescription for it from your doctor.</span></p></div></li></ul></div><div class="_3wlVa6 _2247K8"><p class="_28z5Fp _3-to_p"><span class="_3VmbAf _28z5Fp _3-to_p"><span class="_3VmbAf _28z5Fp _3-to_p">One last reminder:</span></span><span class="_28z5Fp _3-to_p"> Many FSAs provide debit cards to pay for expenses, but save your receipts in case a charge is rejected and you need to prove your expense.</span></p></div></div></div></div><div class="_3wlVa6 _2247K8 _3eCw6n"><aside aria-labelledby="structured-content-authors-box_Lacie-Glover"><div class="_3ta7L-"><span class="_21EZtY eHXiWO _3_uGsM _28z5Fp _1My7YX" data-currency="Text" id="structured-content-authors-box_Lacie-Glover">About the author</span></div><div class="mAVqIZ"><a class="_28z5Fp _1rt2LM _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/author/lacie-glover" data-currency="Link"><figure class="_3ngNGS L_DcnE"><div class="xkItPk" style="background-color:#F7F7F7"><div class="_30SBGi x6Nm1J"><div class="_3wg9Ta" style="padding-top:100%;margin-left:-1px"></div><img alt="Lacie Glover" class="Zsn_9Z" src="https://www.nerdwallet.com/cdn-cgi/image/width=57/https://www.nerdwallet.com/tachyon/2021/07/LGlover-6_30_21-Lacie-Glover-e1626908171170.jpg?resize=70%2C70&format=auto"/></div></div></figure></a><div class="_1If1BZ"><div class="_2HnTZQ"><span class="_3P4ktl _2LuWPZ _28z5Fp N36gAq" data-currency="Text"><a class="_2QRB8W" href="https://www.nerdwallet.com/author/lacie-glover"><span class="_30AJFE">Lacie Glover</span></a></span></div><div class="_1wKw0d"><span class="_21EZtY _2LuWPZ _3_uGsM _28z5Fp N36gAq" data-currency="Text">Lacie Glover is an insurance editor and writer and a NerdWallet authority on insurance. Her work has been featured by USA Today, U.S. News and World Report and The Associated Press.  <a class="_21EZtY _2LuWPZ _3_uGsM _28z5Fp _2Pw7qY _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/author/lacie-glover" data-currency="Link">See full bio.</a></span></div><div class="_1LNUV9"><div class="TkjqOw"><a class="_28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="/cdn-cgi/l/email-protection#bdd1dcded4d8fdd3d8cfd9cadcd1d1d8c993ded2d0" data-currency="Link" rel="noopener noreferrer" target="_blank"><span class="dx-PuM"><svg viewBox="0 0 2048 2048" aria-hidden="true" class="_2ulGkX" fill="currentcolor" focusable="false"><path d="M2048 384l-1024 768L0 384q0-53 37.5-90.5T128 256h1792q53 0 90.5 37.5T2048 384zM0 614l1024 768 1024-768v1050q0 53-37.5 90.5T1920 1792H128q-53 0-90.5-37.5T0 1664V614z"></path></svg></span></a></div><div class="TkjqOw"><a class="_28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.linkedin.com/in/lacieglover/" data-currency="Link" rel="noopener noreferrer" 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class="_2_Pyfm"><div class="_3wlVa6 _2247K8"><div class="_3wlVa6 _2247K8"><div></div><div class="_3wlVa6 _2247K8"><div data-currency="Stack"><div class="_3VJt4n"><a class="_28z5Fp _2JIHTU vLzrnO _3mJuQ4" href="https://www.nerdwallet.com/article/health/employer-offers-hsa-fsa-whats-difference?trk_channel=web&trk_copy=HSA%20vs.%20FSA%3A%20Differences%20and%20How%20to%20Choose&trk_element=hyperlink&trk_elementPosition=0&trk_location=PostList&trk_subLocation=image-list" data-currency="Link" target="_self"><div class="PIqV0k"><div class="_2WucD-" style="flex-basis:75px;flex-grow:0;flex-shrink:0"><figure class="_3ngNGS"><div class="xkItPk RvrexP" style="background-color:transparent;padding-bottom:100.000%"><div class="_30SBGi mp6u9E"><div class="_3wg9Ta" style="padding-top:100%;margin-left:-1px"></div><div class="_2PeQ7B"><div class="lazyload-wrapper "><div class="_22m4lk"></div></div></div></div></div></figure></div><span class="TS4Kq- _3_uGsM _28z5Fp _2G3s3O" data-currency="Text">HSA vs. 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FSAs are generally pre-funded, meaning the full contribution is available to spend at the beginning of the year. If you leave your company mid-year, you will likely have to pay back spent funds that haven't been covered by your paycheck deductions yet."]}}}}]}},{"type":"Li","version":"1.0.0","props":{"children":[{"type":"Container","version":"1.0.0","props":{"children":{"type":"Type","version":"1.0.0","props":{"children":["The rule for the money is “use or lose,” meaning you lose any amount you haven't spent at the end of the year. That's unlike a health savings account, or HSA, where the money you add is yours forever."]}}}}]}}]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"ContentHeading","version":"1.0.0","props":{"level":2,"children":["Spend your FSA money by the deadline"]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"Type","version":"1.0.0","props":{"children":["“The No. 1 thing you should know about your FSA is what the deadline is,” says Ijeoma Iruke, consumer education specialist at FSAstore.com. “We work really hard, contribute these funds, get the tax benefits — it’s a total bummer if you set this money aside and you’re not able to use it.”"]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"Type","version":"1.0.0","props":{"children":["However, the IRS rules make the FSA use-or-lose-it deadline flexible. That generally plays out in two ways. 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"]}},"Any leftover money goes back to the owner of the FSA plan, most likely your employer, “to offset administrative expenses,” says Jody Dietel, chief compliance officer at WageWorks, a company that provides benefits on behalf of employers."]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"ContentHeading","version":"1.0.0","props":{"level":2,"children":["Determining your FSA amount"]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"Type","version":"1.0.0","props":{"children":["The FSA contribution limit in 2018 will be $2,650, which comes out to about $221 per month."]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"Type","version":"1.0.0","props":{"children":["If your medical expenses are straightforward, here are two easy rules of thumb for choosing an FSA amount:"]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"List","version":"1.0.0","props":{"ordered":false,"children":[{"type":"Li","version":"1.0.0","props":{"children":[{"type":"Container","version":"1.0.0","props":{"children":{"type":"Type","version":"1.0.0","props":{"children":["If your out-of-pocket medical bills typically amount to $221 a month or more — or roughly $2,650 a year — consider contributing the maximum to your FSA."]}}}}]}},{"type":"Li","version":"1.0.0","props":{"children":[{"type":"Container","version":"1.0.0","props":{"children":{"type":"Type","version":"1.0.0","props":{"children":["If your medical expenses are generally low, contributing the total of your approximate copays, dental and vision expenses for next year is probably enough."]}}}}]}}]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"Type","version":"1.0.0","props":{"children":["Medical costs can be hard to predict. 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The average health insurance deductible in employer plans was $1,505 for an individual in 2017, according to the Kaiser Family Foundation."]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"Type","version":"1.0.0","props":{"children":["If you can’t afford to add that amount to your FSA amount, consider adding a little more than the total of what your calculation of costs showed."]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"Type","version":"1.0.0","props":{"children":["Iruke adds $200 to $300 for the year to her own FSA in case of an emergency. “If you have some left over, you might be surprised at what you can get with it,” she says."]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"ContentHeading","version":"1.0.0","props":{"level":2,"children":["What to do with extra cash in your FSA"]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"Type","version":"1.0.0","props":{"children":["If you have unspent FSA money as the year is winding down, here’s what you can do:"]}}}},{"type":"Container","version":"1.0.0","props":{"spacing":{"bottom":3},"children":{"type":"List","version":"1.0.0","props":{"ordered":false,"children":[{"type":"Li","version":"1.0.0","props":{"children":[{"type":"Container","version":"1.0.0","props":{"children":{"type":"Type","version":"1.0.0","props":{"children":["If your FSA has the carryover option, subtract the leftover amount from next year’s contribution."]}}}}]}},{"type":"Li","version":"1.0.0","props":{"children":[{"type":"Container","version":"1.0.0","props":{"children":{"type":"Type","version":"1.0.0","props":{"children":["If your FSA has a grace period into 2018, schedule any medical visits you can during that time and use your surplus to start paying down your 2018 health insurance deductible."]}}}}]}},{"type":"Li","version":"1.0.0","props":{"children":[{"type":"Container","version":"1.0.0","props":{"children":{"type":"Type","version":"1.0.0","props":{"children":["Make sure you’re using FSA money for everything you can. 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You can’t use FSA money for over-the-counter drugs such as Tylenol unless you have a prescription for it from your doctor."]}}}}]}}]}}}},{"type":"Container","version":"1.0.0","props":{"children":{"type":"Type","version":"1.0.0","props":{"children":[{"type":"Type","version":"1.0.0","props":{"bold":true,"children":["One last reminder:"]}}," Many FSAs provide debit cards to pay for expenses, but save your receipts in case a charge is rejected and you need to prove your expense."]}}}}]}},"link":"https://www.nerdwallet.com/article/health/right-amount-fsa","showEditorialDisclaimer":true,"showAuthorBox":null,"contentClusters":[],"attributionVertical":"Health Insurance","attributionTopic":"Managing Health 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(CA resident license no.OK92033)   <a class="vc0qznf HDiRhX1" href="https://www.nerdwallet.com/article/insurance/nerdwallet-insurance-services-inc-licenses-and-disclosures"> Insurance Licenses </a> </p> </div> <p class="Rgbzdu6"> <span> NerdWallet has an engagement with Atomic Invest, LLC (“Atomic Invest”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account (“Atomic Treasury account”). Investment advisory services are provided by Atomic Invest. Companies which are engaged by Atomic Invest receive compensation of 0% to 0.85% annualized, payable monthly, based upon assets under management for each referred client who establishes an account with Atomic Invest (i.e., exact payment will differ). Atomic Invest also shares a percentage of compensation received from margin interest and free cash interest earned by customers with NerdWallet. NerdWallet is not a client of Atomic Invest, but our engagement with Atomic invest gives us an incentive to refer you to Atomic Invest instead of another investment adviser. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Atomic Invest. This could mean that the services of another investment adviser with whom we are not engaged could be more appropriate for you than Atomic Invest. Advisory services through Atomic Invest are designed to assist clients in achieving a favorable outcome in their investment portfolio. They are not intended to provide tax advice or financial planning with respect to every aspect of a client’s financial situation and do not include investments that clients may hold outside of Atomic Invest. For more details about Atomic Invest, please see the <a href="https://reports.adviserinfo.sec.gov/crs/crs_313255.pdf" target="_blank">Form CRS</a>, <a href="https://adviserinfo.sec.gov/firm/brochure/313255" target="_blank">Form ADV Part 2A</a>, the <a href="https://legal.atomicvest.com/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf" target="_blank">Privacy Policy</a>, and other disclosures. </span> </p> <p class="Rgbzdu6"> <span> Brokerage services for Atomic Invest are provided by Atomic Brokerage LLC, a registered broker-dealer and member of <a href="https://www.finra.org/" target="_blank">FINRA</a> and <a href="https://www.sipc.org/" target="_blank">SIPC</a> and an affiliate of Atomic Invest. Due to the relationship between Atomic Brokerage and Atomic Invest, there is a conflict of interest due to Atomic Invest directing orders to Atomic Brokerage. For additional information regarding conflicts, please see Items 5, 12 and 14 of Atomic Invest's <a href="https://adviserinfo.sec.gov/firm/brochure/313255" target="_blank">Form ADV Part 2A</a>. For more details about Atomic Brokerage, please see the <a href="https://files.brokercheck.finra.org/crs_315263.pdf" target="_blank">Form CRS</a>, the <a href="https://legal.atomicvest.com/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf" target="_blank">Atomic Brokerage General Disclosures</a>, and the <a href="https://legal.atomicvest.com/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf" target="_blank">Privacy Policy</a>. Check the background of Atomic Brokerage on FINRA's <a href="https://brokercheck.finra.org/" target="_blank">BrokerCheck</a>. Fees such as regulatory fees, transaction fees, fund expenses, brokerage commissions and services fees may apply to your brokerage account. </span> </p> <p class="Rgbzdu6"> <span> Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. <span class="w32R7ZH">Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value</span>. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Custodial and clearing services used by Atomic Brokerage can be found on its <a href="https://brokercheck.finra.org/firm/summary/315263" target="_blank">BrokerCheck report</a>. Technology services may be provided by AtomicVest, Inc. </span> </p> <p class="Rgbzdu6"> NerdWallet™ | 55 Hawthorne St. - 10th Floor, San Francisco, CA 94105 </p> </div><div class="PzCoHIe"> <div class="zjmUfdm"></div> <div class="Y6jzgfz"> <div> <img 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width="24" height="24" alt="USA" title="USA" loading="lazy" class="j7GZIoC"> NerdWallet USA </div> <div class="COn6Bj5">|</div> <a href="/uk/" class="_7UG6txR"> <img src="data:image/svg+xml;base64,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" width="24" height="24" alt="UK" title="UK" loading="lazy" class="j7GZIoC"> NerdWallet UK </a> <div class="COn6Bj5 _7VkKyX5"> | </div> <a href="/ca/" class="_7UG6txR CqkyRMO"> <img src="data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20style%3D%22transform%3AtranslateY(3px)%22%3E%3Cg%20clip-path%3D%27url(%23clipCA)%27%3E%3Cpath%20d%3D%22M22.81%201H1.42V15.58H22.81V1Z%22%20stroke%3D%22currentColor%22%20strokeMiterlimit%3D%2210%22%20strokeLinejoin%3D%22round%22%20%2F%3E%3Cpath%20d%3D%22M14.7425%2010.5472C14.7961%2010.4936%2017%208.56438%2017%208.56438L16.6245%208.40343C16.4099%208.29828%2016.4657%208.15665%2016.5172%208.03004C16.5687%207.86695%2016.9485%206.58584%2016.9485%206.58584C16.9485%206.58584%2015.9249%206.80043%2015.7103%206.85408C15.5494%206.90558%2015.4957%206.80043%2015.4421%206.69313C15.3884%206.58584%2015.1202%205.99785%2015.1202%205.99785C15.1202%205.99785%2013.9914%207.28326%2013.9378%207.33476C13.7232%207.49571%2013.5064%207.33476%2013.5601%207.12017C13.5601%206.90558%2014.1524%204.33906%2014.1524%204.33906C14.1524%204.33906%2013.5064%204.71245%2013.2918%204.81974C13.1309%204.92704%2013.0215%204.92704%2012.9142%204.71245C12.8047%204.5515%2011.9979%203%2011.9979%203C11.9979%203%2011.1931%204.5515%2011.0858%204.71245C10.9785%204.92704%2010.8712%204.92704%2010.7082%204.81974C10.4936%204.71245%209.84764%204.33906%209.84764%204.33906C9.84764%204.33906%2010.4399%206.90558%2010.4399%207.12017C10.4936%207.33476%2010.279%207.49571%2010.0622%207.33476C10.0086%207.28112%208.87983%205.99785%208.87983%205.99785C8.87983%205.99785%208.61159%206.58369%208.55794%206.69099C8.50429%206.79828%208.45064%206.90343%208.2897%206.85193C8.07296%206.79828%207.0515%206.58369%207.0515%206.58369C7.0515%206.58369%207.42918%207.86481%207.48283%208.0279C7.53433%208.15665%207.59013%208.29614%207.37554%208.40129L7%208.56438C7%208.56438%209.20172%2010.4936%209.25751%2010.5472C9.36695%2010.6545%209.4721%2010.7082%209.36695%2011.03C9.25751%2011.3519%209.15021%2011.7833%209.15021%2011.7833C9.15021%2011.7833%2011.1931%2011.3519%2011.4099%2011.2983C11.5966%2011.279%2011.8026%2011.3519%2011.8026%2011.5665C11.8026%2011.7811%2011.6781%2013.9871%2011.6781%2013.9871H12.3219C12.3219%2013.9871%2012.1974%2011.7833%2012.1974%2011.5665C12.1974%2011.3498%2012.4013%2011.279%2012.5923%2011.2983C12.8069%2011.3519%2014.8498%2011.7833%2014.8498%2011.7833C14.8498%2011.7833%2014.7425%2011.3519%2014.6352%2011.03C14.5279%2010.7082%2014.6352%2010.6545%2014.7425%2010.5472Z%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%221%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3Crect%20x%3D%2218%22%20y%3D%221%22%20width%3D%225%22%20height%3D%2215%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2Fg%3E%3Cdefs%3E%3CclipPath%20id%3D%27clipCA%27%3E%3Crect%20width%3D%2228%22%20height%3D%2220%22%20fill%3D%22currentColor%22%20%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E" width="24" height="24" alt="CA" title="CA" loading="lazy" class="j7GZIoC"> NerdWallet CA </a> <div class="COn6Bj5 _7VkKyX5"> | </div> <a href="/au/" class="_7UG6txR CqkyRMO"> <img src="data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2224%22%20height%3D%2224%22%20viewBox%3D%220%200%2024%2019%22%20fill%3D%22none%22%3E%3Cg%20clip-path%3D%22url(%23a)%22%3E%3Cpath%20d%3D%22M0%200h24v18.113H0V0Z%22%20fill%3D%22%23000%22%2F%3E%3Cpath%20d%3D%22m1.406%200%204.575%203.415L10.537%200H12v1.17L7.5%204.547%2012%207.906v1.15h-1.5L6%205.68%201.519%209.057H0V7.925l4.481-3.359L0%201.208V0h1.406Z%22%20fill%3D%22%23FFF7EA%22%2F%3E%3Cpath%20d%3D%22M4.519%200v9.057h3V0h-3ZM0%203.019v3.019h12v-3.02H0Z%22%20fill%3D%22%23FFF7EA%22%2F%3E%3Cpath%20d%3D%22M0%203.642v1.81h12v-1.81H0ZM5.119%200v9.057h1.8V0h-1.8Z%22%20fill%3D%22%23000%22%2F%3E%3Cpath%20stroke%3D%22%23000%22%20d%3D%22M0%200h12v9.057H0z%22%2F%3E%3Cpath%20d%3D%22m19.762%2014.97-.768.098.082.774-.555-.544-.551.547.075-.773-.769-.09.649-.423-.409-.66.735.244.259-.736.266.733.732-.253-.402.664.653.419h.003Zm-.138-4.423.101-.49-.367-.34.494-.057.207-.456.206.456.495.057-.368.34.102.49-.435-.249-.435.25ZM15.72%208.283l-.761.083.067.766-.54-.547-.555.532.09-.766-.757-.102.649-.408-.394-.66.723.257.27-.721.252.728.727-.237-.409.652.642.423h-.004Zm7.643-1.238-.784.102.086.789-.566-.555-.563.559.079-.793-.784-.09.664-.434-.416-.676.75.253.262-.747.27.747.747-.26-.413.679.668.426Zm-3.604-3.15-.776.086.07.785-.55-.558-.567.543.09-.781-.776-.106.664-.415-.402-.675.74.26.273-.736.255.743.742-.245-.416.664.653.434ZM8.775%2014.554l-1.717.204.172%201.732L6%2015.268l-1.237%201.215.183-1.732-1.717-.219%201.459-.936-.9-1.487%201.635.566.592-1.637.581%201.641%201.639-.555-.911%201.48%201.455.947-.004.004Z%22%20fill%3D%22%23FFF7EA%22%2F%3E%3C%2Fg%3E%3Cpath%20stroke%3D%22%23000%22%20stroke-width%3D%22.453%22%20d%3D%22M.226.226h23.547v17.66H.226z%22%2F%3E%3Cdefs%3E%3CclipPath%20id%3D%22a%22%3E%3Cpath%20fill%3D%22%23fff%22%20d%3D%22M0%200h24v18.113H0z%22%2F%3E%3C%2FclipPath%3E%3C%2Fdefs%3E%3C%2Fsvg%3E" 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src="data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2230%22%20height%3D%2230%22%20viewBox%3D%220%200%2030%2030%22%20fill%3D%22none%22%3E%3Crect%20width%3D%2230%22%20height%3D%2230%22%20rx%3D%224%22%20fill%3D%22black%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M11.2902%206.0543C12.2501%206.01036%2012.5566%206%2015.0007%206L14.9993%206.00143C17.4434%206.00143%2017.7514%206.01215%2018.7091%206.05573C19.6668%206.09931%2020.322%206.25149%2020.8935%206.47368C21.4943%206.7%2022.0384%207.0545%2022.4882%207.5125C22.9459%207.96206%2023.3%208.50601%2023.526%209.10645C23.7485%209.67802%2023.9003%2010.3296%2023.9443%2011.2895C23.9882%2012.2493%2023.9986%2012.5558%2023.9986%2015C23.9986%2017.4442%2023.9879%2017.7528%2023.9443%2018.7105C23.9007%2019.6683%2023.7485%2020.3234%2023.526%2020.895C23.0587%2022.1043%2022.1028%2023.0602%2020.8935%2023.5274C20.322%2023.7499%2019.6704%2023.9018%2018.7105%2023.9457C17.7507%2023.9896%2017.4442%2024%2015%2024C12.5558%2024%2012.2472%2023.9893%2011.2895%2023.9457C10.3317%2023.9021%209.67659%2023.7499%209.10503%2023.5274C8.50427%2023.3013%207.96006%2022.9469%207.51036%2022.4889C7.0527%2022.0393%206.69845%2021.4954%206.47226%2020.895C6.25006%2020.3234%206.09824%2019.6711%206.0543%2018.7112C6.01036%2017.7514%206%2017.4449%206%2015.0007C6%2012.5566%206.01072%2012.2486%206.0543%2011.2909C6.09788%2010.3332%206.25006%209.67802%206.47226%209.10645C6.69836%208.50581%207.05261%207.96164%207.51036%207.51179C7.96021%207.05404%208.50438%206.69979%209.10503%206.47368C9.67659%206.25149%2010.3303%206.09824%2011.2902%206.0543ZM18.6359%207.67541C17.6867%207.63219%2017.4024%207.6229%2014.9993%207.6229L15.0007%207.62147C12.5977%207.62147%2012.3133%207.63076%2011.3641%207.67398C10.4868%207.71399%2010.0103%207.86046%209.69304%207.9837C9.30167%208.1278%208.94765%208.35792%208.65708%208.65708C8.35792%208.94765%208.1278%209.30167%207.9837%209.69304C7.86046%2010.0103%207.71399%2010.4868%207.67398%2011.3641C7.63076%2012.3133%207.62147%2012.5977%207.62147%2015.0007C7.62147%2017.4038%207.63076%2017.6882%207.67398%2018.6373C7.71399%2019.5147%207.86046%2019.9912%207.9837%2020.3084C8.1278%2020.6998%208.35792%2021.0538%208.65708%2021.3444C8.94765%2021.6435%209.30167%2021.8737%209.69304%2022.0178C10.0103%2022.141%2010.4868%2022.2875%2011.3641%2022.3275C12.3129%2022.3707%2012.5977%2022.38%2015.0007%2022.38C17.4038%2022.38%2017.6885%2022.3707%2018.6373%2022.3275C19.5147%2022.2875%2019.9912%2022.141%2020.3084%2022.0178C21.093%2021.7147%2021.7133%2021.0945%2022.0163%2020.3099C22.1396%2019.9926%2022.286%2019.5161%2022.326%2018.6387C22.3693%2017.6896%2022.3786%2017.4052%2022.3786%2015.0022C22.3786%2012.5991%2022.3693%2012.3147%2022.326%2011.3656C22.286%2010.4882%2022.1396%2010.0117%2022.0163%209.69447C21.8722%209.3031%2021.6421%208.94908%2021.343%208.6585C21.0524%208.35935%2020.6984%208.12923%2020.307%207.98513C19.9898%207.86189%2019.5132%207.71542%2018.6359%207.67541Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M10.3782%2015.0007C10.3782%2012.4486%2012.4471%2010.3796%2014.9993%2010.3796C16.2249%2010.3795%2017.4003%2010.8664%2018.267%2011.733C19.1336%2012.5997%2019.6205%2013.7751%2019.6204%2015.0007C19.6204%2017.5529%2017.5514%2019.6218%2014.9993%2019.6218C12.4471%2019.6218%2010.3782%2017.5529%2010.3782%2015.0007ZM11.9985%2015.0008C11.9985%2016.658%2013.342%2018.0015%2014.9992%2018.0015C15.7951%2018.0015%2016.5583%2017.6853%2017.1211%2017.1226C17.6838%2016.5598%2018%2015.7966%2018%2015.0008C18%2013.3435%2016.6565%2012.0001%2014.9992%2012.0001C13.342%2012.0001%2011.9985%2013.3435%2011.9985%2015.0008Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3Cpath%20fillRule%3D%22evenodd%22%20clipRule%3D%22evenodd%22%20d%3D%22M19.8033%2011.2766C20.3997%2011.2766%2020.8832%2010.7931%2020.8832%2010.1967C20.8832%209.60031%2020.3997%209.11682%2019.8033%209.11682C19.2069%209.11682%2018.7234%209.60031%2018.7234%2010.1967C18.7234%2010.7931%2019.2069%2011.2766%2019.8033%2011.2766Z%22%20fill%3D%22%23FFF7EA%22%20%2F%3E%3C%2Fsvg%3E" 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src="data:image/svg+xml;base64,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" 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src="data:image/svg+xml;base64,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" 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