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FSA / HSA eligible items

What’s FSA/HSA eligible?

More than most people think. Hundreds of everyday products qualify, whether you swipe your benefits card or file for reimbursement. These are the ones that catch people off guard.

Check a specific product

Most surprising

Yes, these qualify.

Sunscreen
Period care
Baby monitor
Light therapy
Pregnancy tests
Acne treatment

By category

Hundreds of everyday products.

EligibleNeeds a prescription or doctor’s noteUsually not

Medicine cabinet

  • Bandages & first aid kits
  • Antibiotic ointment
  • Thermometers
  • Ice & heating pads
  • COVID-19 home tests

OTC meds

  • Pain relievers
  • Cold, flu & cough
  • Allergy & sinus
  • Antacids & heartburn
  • Motion sickness

Travel & summer

  • Sunscreen & sun lip balm
  • Bug spray & bite relief
  • Blister relief
  • Hand sanitizer & masks
  • First aid travel kits

Women, baby & family

  • Tampons, pads & period underwear
  • Breast pumps & nursing pads
  • Pregnancy & ovulation tests
  • Prenatal vitamins
  • Baby monitors & nasal aspirators

Eye care

  • Prescription glasses & contacts
  • Reading & sun reader glasses
  • Contact lens solution
  • Eye drops
  • Eyeglass repair kits

Devices & foot care

  • Blood pressure & pulse monitors
  • Light therapy lamps & air purifiers
  • Gel foot inserts & arch braces
  • Callus trimmers & wart removal
  • Vaporizers & inhalers

Look it up

Common questions we answer.

Straight answers on the products people ask about most, with the IRS rule behind each one.

Is Sunscreen eligible?Is Pain relievers eligible?Is Ibuprofen eligible?Is Allergy medicine eligible?Is Cold and flu medicine eligible?Is Antacids eligible?Is Magnesium citrate eligible?Is Tampons eligible?Is Menstrual pads eligible?Is Pregnancy tests eligible?Is Breast pumps eligible?Is Thermometers eligible?Is Bandages eligible?Is First aid kits eligible?Is Hydrocortisone cream eligible?Is Antibiotic ointment eligible?Is Acne treatment eligible?Is Eye drops eligible?Is Reading glasses eligible?Is Contact lens solution eligible?Is Blood pressure monitors eligible?Is COVID-19 tests eligible?Is Face masks eligible?Is Toothpaste eligible?Is Shampoo eligible?Is Deodorant eligible?Is Cosmetics and makeup eligible?Is Baby bottles eligible?Is Baby diapers eligible?Is Daily vitamins eligible?

Make the most of it

4 things most people don’t know.

OTC meds need no prescription

Since the CARES Act (2020), pain, allergy, cold & flu meds are eligible with no doctor’s note.

FSA money can expire

Most FSAs are use-it-or-lose-it by year-end. HSA funds roll over and are yours for life.

Save your receipts

You’ll need them to get reimbursed. Snap one here and we itemize what qualifies.

Check before you swipe

“Health” doesn’t always mean eligible. Confirm first to avoid a denied claim.

Conditional

Only with a prescription or note

  • Vitamins & supplements
  • Massage therapy
  • Gym membership
  • Weight-loss programs

Not eligible

Usually won’t qualify

  • Toothpaste & toothbrushes
  • Cosmetics & makeup
  • Shampoo & soap
  • Deodorant

Not sure about something?

Check any product, receipt, or store link against the IRS rules in seconds.

Check an itemSee plans