We are using an fsa account for the first time ever this year to try to cut back on monthly bills. My question is for those who have used it or an hsa before... In jan when we fill Rx or get nicks infusion or whatever, will we only have access to the money that we have put in it.. $200 or so or the full $2500? Our deductible is high and we usually meet it within the first month or so? Just wondering what to expect.