HSA (Health Savings Account) and FSA (Flexible Spending Account) funds can be used to purchase a wide range of medical, health, and wellness products. Here’s a breakdown of common categories of HSA/FSA-eligible products:
Medical & Health Equipment
- Blood pressure monitors
- Thermometers (digital, infrared, ear, forehead)
- Stethoscopes
- Nebulizers
- Pulse oximeters
- Humidifiers (if prescribed for medical use)
First Aid & Emergency Supplies
- Bandages & gauze
- First aid kits
- Antiseptics (e.g., hydrogen peroxide, alcohol wipes)
- Burn treatments (including Hero Fire Blankets)
- Splints & braces
- AEDs (Automated External Defibrillators)
- EpiPens & allergy treatments
Over-the-Counter (OTC) Medications
- Pain relievers (e.g., ibuprofen, acetaminophen)
- Cold & flu medications
- Allergy medications (e.g., Claritin, Zyrtec, Benadryl)
- Cough syrup & throat lozenges
- Heartburn & digestive aids (e.g., TUMS, Pepto-Bismol)
- Sleep aids (e.g., melatonin, Unisom)
- Laxatives & anti-diarrhea medications
No prescription required since 2020
Menstrual Care Products
- Tampons & pads
- Menstrual cups
- Panty liners & period underwear
HSA/FSA eligible since 2020
Vision & Eye Care
- Eyeglasses & prescription sunglasses
- Contact lenses & solutions
- Eye drops (e.g., artificial tears, allergy relief)
- Eye patches
Hearing Aids & Accessories
- Hearing aids
- Hearing aid batteries
- Earwax removal kits
Baby & Maternity Products
- Breast pumps & accessories
- Prenatal vitamins
- Baby thermometers
- Baby monitors (for medical monitoring)
- Nasal aspirators
- Infant first aid kits
Dental Care
- Braces & orthodontic treatments
- Dental cleanings, fillings, extractions
- Mouthguards (for medical needs)
- Denture care products
Skin Care & Personal Care
- Sunscreen (SPF 15 or higher)
- Acne treatments (e.g., benzoyl peroxide, salicylic acid)
- Eczema & psoriasis treatments
- Lip balm (with SPF)
- Anti-fungal creams
Family Planning & Sexual Health
- Condoms
- Pregnancy tests
- Ovulation kits
- Fertility treatments (some require a doctor’s prescription)
Mental Health & Wellness
- Therapy sessions (if medically necessary)
- Smoking cessation aids (e.g., nicotine patches, gum)
- Sleep therapy devices
Medical & Mobility Aids
- Walkers, wheelchairs, crutches
- Canes
- Compression socks
- CPAP machines & supplies
- Medical alert bracelets
Personal Protective Equipment (PPE)
- Face masks
- Hand sanitizer
- Disinfecting wipes (Added as eligible during the COVID-19 pandemic)
What’s NOT Usually Covered?
These items are typically NOT eligible unless prescribed by a doctor:
- Gym memberships
- Vitamins & supplements (unless for a diagnosed condition)
- Cosmetic treatments (e.g., Botox, teeth whitening)
- Non-medical massage therapy
- General skincare (e.g., regular lotions, soaps)