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Is Sunscreen FSA/HSA eligible?

Eligible

Yes. Broad-spectrum sunscreen rated SPF 15 or higher is FSA and HSA eligible, no prescription or doctor's note needed.

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Why

What the IRS rules say

The IRS treats sunscreen as a preventive medical product because it guards against sun damage and skin cancer. Broad-spectrum SPF 15+ qualifies. You can pay with your benefits card at checkout or buy it and file for reimbursement.

Based on IRS Publication 502.

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.

Good to know

Common questions

Does the SPF level matter?

Yes. Sunscreen needs to be broad spectrum and SPF 15 or higher to qualify. Tanning products and SPF below 15 do not.

Is SPF lip balm eligible too?

Lip balm with an SPF rating of 15 or higher qualifies on the same preventive-care basis as sunscreen.

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