6 Clever Ways Pinterest Can Help You Save Major Money

What is HSA?

HSA stands for Health Savings Account, a type of savings account that lets you set aside funds to pay for qualified medical expenses. HSAs are often available as a part of health insurance plans, though banks and credit unions offer them, too.

What can I buy with an HSA?

You can buy a lot more with your HSA funds than you think: menstrual products, over-the-counter medicines, sunscreen, and travel to and from medical appointments are just some of the things you can buy with an HSA.

Is HSA worth it?

Whether an HSA is worth it is really dependent on your needs. There are some nice advantages associated with it, though. You may be able to lower your out of pocket costs for medical needs. Plus, the funds are not taxed, so you may be able to save more. Unlike an FSA (Flexible Spending Account), HSA funds roll over year-over-year, so you don't have to worry about it expiring.

Should I max my HSA?

Maxing out your HSA to your account's annual maximum amount via monthly contributions can be beneficial if your goals are to save money and limit out of pocket costs for medical care. You can also opt to invest some of your HSA funds, which can be a smart decision for saving for things like family planning or retirement.

Sunscreen

Per Cigna, sunscreen counts as a reimbursable HSA purchase. SPF is super important for skin cancer prevention, plus wearing it regularly can reduce signs of aging – a win-win!

Hatch Alarm Clock

The famed Hatch Restore alarm clock is both HSA and FSA eligible. It's a superb tool for going to bed soundly and waking up feeling refreshed as ever!

Period Underwear

Menstrual care and feminine hygiene products are also HSA eligible. Cigna says this category may include tampons, pads, liners, cups, sponges, and similar items, like period underwear!

Theragun

This luxurious massage gun is both FSA and HSA eligible! It's truly life-changing for relieving muscle soreness and tightness. Therabody's other devices like the Theragun PRO Plus, Theragun Sense, and Theragun Relief are also eligible.

Oura Ring

This fitness tracker ring is FSA and HSA eligible – it can help you keep tabs on your sleep, activity, stress, heart rate and more.

Breathing Strips

According to Cigna, breathing strips are HSA eligible, plus you don't need a doctor's prescription for reimbursement.

Electric Toothbrush

Electric toothbrushes are HSA eligible and reimbursable with a medical diagnosis. This model in particular cleans way better than a regular toothbrush, expertly supporting your oral health.

Essential Oils

Essential oils are HSA-covered with a medical diagnosis. Certain oils can help relieve stress, anxiety, physical pain, and nausea, and aid in better sleep.

Hand Sanitizer

Hand sanitizers of any kind are also surprisingly HSA eligible. We love these sprays from Touchland because they're cute, easily portable, and smell delicious.

Humidifiers

Humidifiers are indeed HSA eligible – the moisture they put out into the surrounding air can relieve respiratory issues, common colds, and even reduce snoring.

Air Purifiers

Similarly, air purifiers are eligible because they can help remove airborne contaminants and viruses that cause allergies and disease.

Spa Trips

In the case you're prescribed a lovely visit to a spa or resort by a physician for medical treatment, the only part that's covered by HSA are the services you receive while you're there. The cost of transportation is not eligible for reimbursement.

Blue Light Glasses

Blue light glasses are covered by HSA; lenses like these block out blue light from screens which helps prevent eye strain and fatigue.

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A post shared by Josephine Anderson (@fosterthevalley)

Josephine Anderson, who posted a video on her Instagram @fosterthevalley, outlined the costs of her uncomplicated vaginal birth, and TBH, it was shocking.

The financial breakdown of her experience (with Cigna for insurance):

• Routine office visits (including 2 ultrasounds): $1,266
• Labs: $3,440.81
• NIPT genetic testing: $15,319.36
• Anatomy scan: $1,270
• RhoGam: $360
• Hospital for mom: $23,722.10
• Hospital for baby: $7,402.80
• OBGYN for delivery: $5,000
• Epidural: $5,720
• Breastfeeding support: $2,589.78
• Pediatrician: $209

Josephine’s video warranted thousands of comments, most of which were appalled by the costs of her experience:

“This needs to be shared in SexEd classes,” one commenter wrote.

“The US medical system is BROKEN,” another said.

“And people are still confused why more women are choosing to remain child free… we literally can’t afford it,” another user commented.

Brit + Co spoke with Wendy Colson RN, IBCLC and CEO/Founder of BOOBIE Superfoods to gauge if Josephine’s costs were typical for the care she received. Colson has significant insight into how insurance works not only from an employer’s perspective, but from personal experience as a patient with breast cancer.

“The $4,788.98 net amount she mentions is realistic given that her deductible was $3,000. If she had chosen a plan with a $1,000 deductible – which is a common ceiling for good coverage – the same scenario would have cost her around $2,789,” Colson said. “The video highlights the importance of understanding what you're getting with an insurance plan, especially when you anticipate major life events like childbirth.”

Colson primarily attributes unanticipated costs for medical care (like in Josephine’s case) to patients that choose their insurance plans with, well, no real plan.

“Many [people] opt for the [plan] with the lowest paycheck deductions without fully evaluating the benefits,” Colson said.

There’s often a tradeoff between paying less per paycheck and receiving your desired benefits: for example, if you elect to contribute less money towards your insurance per paycheck, you may end up paying more out of pocket for things like doctor’s office visits and prescriptions.

“Making an informed choice is key to saving money in the long run,” Colson continued. “In short, it's crucial to consider both the immediate costs (like paycheck deductions) and the potential future costs (like deductibles and copays) when choosing an insurance plan.”

Another major cost Josephine mentions in her video was 12 weeks of unpaid maternity leave, which cost her a total of $18,000 (in lost income).

Per the passing of the Family and Medical Leave Act (FMLA) in 1993, moms have a legal right to up to 12 weeks of unpaid maternity leave. The U.S. Department of Labor notes that the act was designed to help employees balance their work and family responsibilities, accommodate the legitimate interests of employers, and promote equal employment opportunity for men and women.

It all sounds great until you realize the time off is indeed unpaid, which doesn't really aid in the amount of money parents end up owing after all is said and done in the pregnancy and childbirth processes.

Only 13 states plus the District of Columbia offer paid maternity leave. When you compare the United States’ laws to that of other industrialized nations, they don’t exactly measure up.

Colson says Sweden’s maternity leave policy is “one of the most generous,” offering 390 days of paid parental leave (shared between parents) and 80% of wages covered for a significant portion of the leave. In Germany, mothers are entitled to 14 weeks of maternity leave plus a tax-free, income-based allowance straight from their insurance provider.

Though it’s likely that US laws will never be that generous in terms of paid maternity leave, there are a few things you can do to make the blow of medical costs hurt a little less, says Colson.

“My advice is to be your own advocate,” she says. “If you’re planning to have a baby, start by understanding what your state provides in terms of paid leave to avoid surprises after delivery.”

To keep the cost of having your baby (if you’re planning to have one) transparent and free of surprises, Colson recommends:

• Asking your physician’s office for a detailed breakdown of insurance billing codes, including:
  • Office visits
  • Lab work
  • Epidural (and the anesthesiologist’s separate fee)
  • Hospital admissions
  • Specialist consultations during admission
  • Optional procedures like circumcision, if desired
• Email the insurance billing codes to your insurance provider, who can help calculate your out-of-pocket costs and deductible

“Having a baby is priceless,” Colson says. “By planning ahead – understanding your insurance options, healthcare costs, and available benefits – you can ensure peace of mind and focus on what truly matters: your growing family.”

Kinda Pregnant — On Netflix February 5, 2025

Lainy's excited for her best friend's pregnancy, but she's also insanely jealous...which leads her to wear a fake bump and convince everyone in her life she's pregnant. That sounds complicated as-is, but things get even crazier when she meets her dream man. Kinda Pregnant already sounds hilarious, but with Amy Schumer and Brianne Howey, I know we're gonna be laughing out loud.

Kinda Pregnant premieres February 5 and stars Amy Schumer, Jillian Bell, Will Forte, Damon Wayans Jr., Brianne Howey, Alex Moffat, Joel David Moore, Lizze Broadway, Urzila Carlson, Francis Benhamou.

Love Hurts — In Theaters February 7, 2025

Marvin Gable's traded a life of crime for a career as a realtor in Wisconsin. But when his ex-partner Rose ropes him back into the world he's tried so hard to escape, Marvin realizes you can't escape your past. Or your murders brother.

Love Hurts hits theaters February 7 and stars Ke Huy Quan, Ariana DeBose, Daniel Wu, Sean Astin, Mustafa Shakir, Lio Tipton, Rhys Darby, Marshawn Lynch, and André Eriksen.

Heart Eyes — In Theaters February 7, 2025

If you're missing Slasher Summer, you'll definitely want to see this new movie when it premieres on February 7. A murderer who goes by Heart Eyes targets couples every Valentine's Day — and Ally and her date might be next.

Heart Eyes premieres February 7 and stars Olivia Holt, Mason Gooding, Gigi Zumbado, Michaela Watkins, Devon Sawa, and Jordana Brewster.

We're finally getting a new Bridget Jones movie, and it's coming oh so soon! Bridget, now a single mom, finds herself drawn to the young and handsome Roxster, but she also can't stop running into Mr. Wallaker. I can't wait to see how this one unfolds.

Bridget Jones: Mad About the Boy drops on February 13 and stars Renée Zellweger, Chiwetel Ejiofor, Leo Woodall, Emma Thompson, Jim Broadbent, Isla Fisher, and Gemma Jones.

Marvel fans, we are so back! After a slew of movies and TV shows that contributed to superhero fatigue for all of us, the MCU is getting back to its roots with Captain America: Brave New World. Sam Wilson has taken up the mantle of Captain America but is constantly compared to Steve Rogers — especially when the government finds itself on the brink of a worldwide crisis.

Captain America: Brave New World premieres February 14 and stars Anthony Mackie, Danny Ramirez, Harrison Ford, and Liv Tyler.

Paddington in Peru — In Theaters February 14, 2025

Paddington is off on a tropical adventure when his quest to find Aunt Lucy takes him (and the whole family) to the Amazon rain forest. Hopefully he has plenty of marmalade sandwiches!

Paddington in Peru premieres February 14 and stars Hugh Bonneville, Emily Mortimer, Julie Walters, Jim Broadbent, Imelda Staunton, Carla Tous, Ben Whishaw, Olivia Colman, and Madeleine Harris.

The Unbreakable Boy — In Theaters February 21, 2025

In this new movie, Jacob Laval is a joyful boy with autism and brittle bone disease who makes everything around him more beautiful. This is the perfect encouraging movie to see with the family this winter, but you might want to bring some tissues!

The Unbreakable Boy premieres February 21 and stars Austin LeRette, Meghann Fahy, Zachary Levi, Patricia Heaton, and Gavin Warren.

Cleaner — In Theaters February 21, 2025

When a group of radical activists take over an energy company's gala (and take 300 hostages), their mission takes a turn for the worse when one member takes things to the extreme. Now it's up to a soldier-turned-window cleaner literally hanging out outside the building to save everyone inside.

Cleaners hits theaters February 21 and stars Daisy Ridley, Taz Skylar, and Clive Owen.

Old Guy — In Theaters February 21

An older hitman is not happy about training a younger guy to take his place, but when they learn their employer set them up, they wind up becoming allies instead.

Old Guy premieres February 21 and stars Christoph Waltz, Cooper Hoffman, Lucy Liu, Ryan McParland, Ann Akinjirin, Jason Done, Tony Hirst, Kate Katzman, Conor Mullen, and Rory Mullen.

The Monkey — In Theaters February 21, 2025

Twins Hal and Bill grew apart after they found an old monkey toy that belonged to their father and people around them started dying. But now that the deaths have begun again, they reunite to protect their loved ones and destroy the monkey once and for all.

The Monkey hits theaters February 21 and stars Osgood Perkins, Theo James, Elijah Wood, James Wan, Tatiana Maslany, Christian Convery, Laura Mennell, and Sarah Levy.

Last Breath — In Theaters February 28, 2025

When diver Chris Lemons becomes untethered 100 meters underwater, Duncon Allcock and David Yuasa have to figure out how to rescue him — if they can even find him. Yep, I'm getting anxious just thinking about this!

Last Breath premieres February 28 and stars stars Woody Harrelson, Simu Liu, Finn Cole, Cliff Curtis and Djimon Hounsou.