What is an FSA?
FSA’s is sponsored by your employer; self-employed individuals are not eligible for an FSA An employee’s yearly FSA allocation is available on the first day of the plan year, regardless of contributions made to date Use it or lose it!
Any money left in an FSA will be forfeited at the end of that plan year, though some plans do provide a short grace period that may allow you to carry some funds into the next year.