Can I buy allergy medicine with my HSA?
Asked by: Dr. Gene Kuhn | Last update: December 10, 2025Score: 4.1/5 (65 votes)
Does my HSA cover allergy medicine?
Antihistamines are over-the-counter (OTC) medicines that are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
Can I buy Zyrtec with my HSA card?
FSAs and HSAs can help you pay for qualified medical expenses with tax-free dollars. Qualified expenses include prescription medications and medical supplies used to treat allergies.
What OTC medications are HSA-eligible?
- Cold, cough, and flu medicine.
- Heartburn medications.
- Pain relievers and anti-inflammatory medications.
- Allergy and sinus medicine.
- Digestive aids and laxatives.
- Baby rash ointments and creams.
- Baby electrolytes.
- Sleep aids.
Can I buy Benadryl with HSA?
HSA funds can be used to purchase allergy medicines, such as: Allegra. Benadryl. Claritin-D.
New rules regarding HSAs & FSAs
Is Claritin covered by FSA?
FSA Eligible Allergy Medicine. Claritin 24 Hour Allergy Medicine, Non-Drowsy Prescription Strength Allergy Relief, Loratadine Antihistamine Tablets, 100 ct. TheraFlu Flu Relief Max Strength Daytime & Nighttime Caplets, 40 ct. Vicks VapoShower Tablets, 5 ct.
Can I pay for allergy shots with HSA?
Other Items you can use your FSA or HSA dollars on
These treatments and products can include: Allergy shots, serum and injections. Allergist office visit costs. Antihistamines (like Benadryl, Chlor-Trimeton, Zyrtec, Claritin, or Allegra) Neti pots and other nasal wash products.
Are gym memberships HSA-eligible?
Gym memberships. While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.
Are tampons HSA-eligible?
With the passage of the CARES Act in March 2020, tampons and other menstrual care products are now fully FSA-/HSA-eligible. According to the text of the bill, menstrual care products include, “tampon, pad, liner, cup, sponge, or similar product used by individuals with respect to menstruation…”
Can I buy vitamins with HSA?
In general, vitamins are not considered an HSA eligible expense unless they are prescribed by a doctor for a specific medical condition.
Is deodorant HSA eligible?
Deodorant reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).
Which is better, claritin or zyrtec?
Zyrtec (cetirizine) and Claritin (loratadine) are two popular brands. They contain different compounds but appear to be equally effective. Antihistamines can reduce allergy symptoms, such as watering eyes, itchy skin, hives, and swelling.
Can I use HSA for Flonase?
Patient FSA / HSA Eligible Product
Resulting from the CARES Act recently passed by congress, you can now use your FSA and HSA tax-preferred savings account to purchase certain OTC products such as Flonase, Nicorette, Nicoderm, Advil, Voltaren, and Denture Care Products.
Is the Apple Watch HSA-eligible?
Why other fitness trackers don't qualify. Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.
Can you buy shampoo with HSA?
Over-the-counter toiletries or personal hygiene items which may include, but are not limited to shampoo, toothpaste, conditioners, hand creams, deodorant, shaving cream, razors, dental floss, body powders, hair gels/sprays, make-up, nail polish accessories, soap, mouthwash, etc., are not reimbursable.
Are condoms HSA-eligible?
Condoms are eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA).
Can I use HSA to buy lube?
Lubricants may be eligible with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
Are toothbrushes HSA eligible?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
Is ChapStick HSA eligible?
You can use your health savings account (HSA) to purchase OTC products including ChapStick® without a prescription.
Can I use HSA for glasses?
Yes! You can definitely use funds from your flexible spending account (FSA) or health savings account (HSA) to purchase prescription glasses. (FSAs and HSAs can be used for many other vision- and eye health-related expenses, too, but we'll discuss that more in a bit.)
Can HSA pay for massage?
Your HSA can pay for massage therapy, though you'll likely need a letter of medical necessity (LMN) from your doctor. An LMN states what condition the treatment is for, how many sessions you need, and any other relevant details. An HSA may also be used on alternative or holistic treatments, such as: Massage therapy.
Can you pay for Peloton with HSA?
The partnership will make it easier for qualified US-based Peloton customers to use pre-tax Health Savings Account (HSA)/Flexible Spending Account (FSA) dollars to purchase applicable Peloton products, saving customers up to 40% off their purchase.
Can you buy allergy medicine with an HSA?
Until recently, OTC medications only qualified for reimbursement with a note or prescription from a doctor. The March 2020 CARES Act removed this requirement. Now, HSA and FSA cards can be used to buy non-prescription allergy medications and other OTC drugs without a prescription.
Can you buy skincare with an HSA?
Over-the-counter acne and skincare products are now HSA eligible with out the need for a prescription.
Can I use my HSA for my dog?
The short answer is yes, you can use your HSA for veterinary expenses. Under current IRS guidelines, eligible medical expenses include those that are primarily for the prevention or alleviation of a physical or mental defect or illness.