Can I buy deodorant with an HSA?
Asked by: Jaida Kshlerin | Last update: September 22, 2025Score: 4.8/5 (62 votes)
Can I use my HSA for hygiene products?
Menstrual care/feminine hygiene products are now reimbursable. Over-the-counter drugs no longer require a prescription to be reimbursed.
Can you use HSA on toiletries?
10 Costs Your HSA Won't Cover
Cosmetics. Funeral expenses. Hair transplants. Personal hygiene items: conditioner, deodorant, lotion, mouthwash, shampoo, and toothpaste.
Can HSA be used for skin care products?
But rest assured knowing that you can use your HSA funds for skin cancer screenings as they are a qualified medical expense. HSA funds also cover skincare essentials like broad-spectrum suncare with SPF 15+. or even reparative acne solutions like light therapy.
Are shaving items HSA eligible?
Shaving cream or lotion are never eligible for reimbursement as they are personal health products.
Make Sure You Understand the Weaknesses of an HSA
Can I use my HSA for deodorant?
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).
Can I use my HSA for gym membership?
Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.
Can I use my HSA for massages?
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.
What can I not buy with HSA?
Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
Is ChapStick HSA eligible?
You can use your health savings account (HSA) to purchase OTC products including ChapStick® without a prescription.
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.
Is deodorant FSA eligible?
For example, daily care products, like Vaseline, toothpaste, and deodorant, are not FSA-eligible expenses. Gym memberships and health insurance premiums aren't eligible either. It's possible that you may accidentally purchase a nonqualifying expense with your FSA funds.
Can I buy bandaids with HSA?
Bandages are over-the-counter (OTC) items that are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
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.
Can I buy moisturizer with my HSA?
Can you use HSA for skin care? Yes, you can use a health saving account (HSA) for skin care, but there are some important factors to consider.
Can I buy a toothbrush with HSA?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
Can I buy deodorant with HSA?
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).
What happens if I accidentally use my HSA card for non-medical expenses?
You can repay the incorrect distribution before filing your federal taxes for that tax year. However, if you do not correct the mistake, the unqualified amount will be subject to income tax, and you may also face an additional 20% tax penalty.
Can you buy tampons with HSA?
Yes! Thanks to the CARES Act, tampons are now considered a “medical expense.” That means you can use pre-tax income to pay for them through your HSA. More questions about tampons? Learn the truth behind some of the most common tampon myths.
Can I pay for gym membership with HSA?
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.
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 you use HSA to pay off a credit card?
But can you pay off that medical credit card debt using a tax-advantaged medical savings account like an HSA or FSA? In short, yes, but it's important to keep good records.
Can I use HSA to buy Apple Watch?
Unfortunately the answer to this question is usually no. This is because according to the IRS, fitness trackers are used to promote what the IRS terms “general health”. Expenses under this general health definition are not considered HSA eligible expenses.
Can I use HSA for Invisalign?
Many patients are surprised to learn that you can use your Flexible Spending Account (FSA) or Health Spending Account (HSA) to pay for orthodontic treatment, including braces and Invisalign, for children and adults, which makes this the “most wonderful time of the year” to get started on your dream smile.
Can I use HSA for groceries?
As mentioned earlier, using HSA funds directly for groceries is not allowed under current IRS regulations. This can be seen as a downside for individuals looking to use their HSA money for day-to-day expenses.