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No, you can only use this year's FSA funds to pay for an eligible expense incurred during this year, even if you have a payment plan going beyond this year. Remember, though, that each benefit year has a grace period from January 1 to March 15 of the following year. If you continue to make payments between January 1st and March 15th , you can get reimbursed with your remaining FSA funds from the previous year.
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