you know you can buy bandaids and aspirin with it, right?not if you dont take out more than you needWhich I'd lose at the end of the year if not spent.
The way it is set up by my employer is that I lose anything I haven't spent by the end of the year. So fuck that.
at the end of the year find out how much you have left and stock up
you can buy a lot of over the counter things with it
and YOU set the amount you wish to have deposited into it
not your employer