You're right. Unless you have some predictable, ongoing medical expenses, putting aside money in an FSA is worse than gambling. I use all of mine every year b

You're right. Unless you have some predictable, ongoing medical expenses, putting aside money in an FSA is worse than gambling. I use all of mine every year because I see a provider who isn't covered under my insurance, but I don't think someone who's healthy should bother. If you have a physical and 2-3 routine doctor visits a year, it's not worth it.