Is Toothpaste FSA/HSA eligible?
No. Toothpaste is not FSA or HSA eligible, because it is a general personal hygiene product.
A prescription or medicated dental product may qualify with a Letter of Medical Necessity.
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Why
What the IRS rules say
The IRS excludes items that are for general health or personal hygiene rather than the treatment of a specific medical condition. Everyday toothpaste, toothbrushes, and mouthwash fall in that category, even when marketed as healthy.
Based on IRS Publication 502.
Good to know
Common questions
What about prescription-strength or medicated dental products?
A product prescribed by a dentist to treat a diagnosed condition may qualify with a Letter of Medical Necessity, but everyday toothpaste does not.
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