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Is Hydrocortisone cream FSA/HSA eligible?
Eligible
Yes. Over-the-counter hydrocortisone cream and spray are FSA and HSA eligible without a prescription.
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Why
What the IRS rules say
Hydrocortisone is an OTC drug that treats itching and skin inflammation, so it qualifies under the CARES Act with no prescription needed.
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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