You’re thinking of FSA

HSA is a health savings account. It doesn’t go away unless you’re using some unheard of vulture one. I had one from an old employer that I stacked up thousands in and it took me 5 years after I left to use it all

There are deposit restrictions, like you need to be on a high deductible plan

FSAs, Flexible Spending Accounts don’t have those same deposit restrictions. But you lose it after a year minus a usual $500 carryover

I find it hard to believe they denied actual chemotherapy treatments, though. They’re annoying to deal with but I’ve never once had a claim denied other than trying to buy an ankle brace at Walgreens

Even an electric toothbrush at the dentist was covered