Is Allergy medicine FSA/HSA eligible?
Yes. Over-the-counter allergy and antihistamine medicine is FSA and HSA eligible, no prescription needed.
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Why
What the IRS rules say
Allergy medicines like loratadine and cetirizine are OTC drugs, which the CARES Act made eligible without a prescription in 2020. Nasal sprays and allergy eye drops qualify on the same basis.
Based on CARES Act (2020), Section 3702.
How to pay with FSA/HSA
You have two options. Swipe your FSA or HSA card at checkout and it comes straight out of your benefits, or pay your own way, keep the receipt, and file for reimbursement. Either works.
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