Laid off? 11 things you should know about your health care.

If you have been putting money into a Flexible Spending Account, or FSA, be aware there is a “use it or lose it” policy that requires you to use the money within a certain amount of time, and you can use it only for expenses happened during your employment, said Sarah Michalczuk, founder and chief executive of Predictability, a tool to help consumers compare health insurance options. Find receipts for drugstore purchases such as pain relievers, cold medicines and tampons, glasses, contact lenses, skin-care products and health technology, and get reimbursed from your FSA.

There are no stipulations on when you must spend the money in your Health Savings Account, or HSA. There are rules, however, regarding when you put money into it, Michalczuk said. You can contribute to your HSA only while you are on a qualifying High-Deductible Health Plan (HDHP), she said.

Your employer should be able to provide a list of qualifying expenses for your FSA and HSA funds.