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.
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
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.
Only with a prescription or doctor’s note
- Vitamins & supplements
- Massage therapy
- Gym membership
- Weight-loss programs
Usually not eligible
- Toothpaste & toothbrushes
- Cosmetics & makeup
- Shampoo & soap
- Deodorant
Not sure about something?
Check any product, receipt, or store link against the IRS rules in seconds.