If this is FSA: The funds in an FSA account have to be used yearly or it goes away. That's the deal for the tax credit. It's 14.5 months with the grace period.

If you have been putting it in for 3 years, and not using it, you may way to check your balance ASAP.

The purpose of an FSA is to deduct pre-tax out of your paycheck for medical expenses planned for this year, including supplies, visits, co-pays, dental, optical - routine medical expenses.

See: Use it or Lose it @ Wikipedia: https://en.wikipedia.org/wiki/Flexib..._it_or_lose_it

If it's not an FSA, see the post before yours.