Can I buy OTC supplements with HSA?
Asked by: Jimmie Walker | Last update: January 16, 2026Score: 4.6/5 (71 votes)
Are OTC supplements HSA eligible?
Most vitamins and supplements are still not covered by HSAs and FSAs.
Can I use my HSA for OTC items?
Yes. You can buy OTC medicine such as Tylenol and Tums with your FSA or HSA. But this hasn't always been the case. OTC medications previously did not count as qualified medical expenses for HSAs unless you had a prescription.
How do I know if my supplement is HSA approved?
HSA does not provide assessment or approval for health supplements. Dealers are responsible for the safety and quality of the products. Some local companies may use the Lion Head symbol on their products to identify themselves with Singapore.
Can I use my HSA to pay for my 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.
DWYM: Last two days to buy over the counter meds with HSA
Is the Apple Watch covered by HSA?
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 pay for a massage with HSA?
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 happens if you use your HSA for something not approved?
Unfortunately, you can't just let mistakes like this slide. You can be charged a 20% penalty if you use your HSA funds to pay for a non-qualified medical expense, which would have been $70 in my case (not to mention traditional income taxes would apply, too).
Is collagen supplement HSA-eligible?
Collagen supplements are not typically eligible for reimbursement under a Flexible Spending Account (FSA) or Health Savings Account (HSA) because they are generally classified as dietary supplements.
What are considered supplements?
- Vitamins (such as multivitamins or individual vitamins like vitamin D and biotin).
- Minerals (such as calcium, magnesium, and iron).
- Botanicals or herbs (such as echinacea and ginger).
- Botanical compounds (such as caffeine and curcumin).
- Amino acids (such as tryptophan and glutamine).
Are vitamins OTC eligible?
OTC card eligible items often include health and wellness products, such as cough and cold remedies, vitamins, medical equipment and more. If an item is eligible, the cost of the item is subtracted from an OTC card's available balance at checkout.
Can skincare be purchased with HSA?
This means that any skin care costs that count towards your deductible, such as prescription medications or dermatologist visits, can be paid for using HSA funds.
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 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).
Are electric toothbrushes HSA eligible?
Routine electric toothbrushes for general oral hygiene are usually not eligible.
Can I pay for Noom with my HSA?
Your Noom Med (Telehealth) subscription should be a qualifying medical expense for most HSA/FSA plans. While we're unable to accept direct payments at this time, we can provide you with the documentation needed for reimbursement. When you signed up, you should've received a subscription receipt in your email.
What supplements are HSA eligible for?
However, there are two types of vitamins/supplements that qualify as an eligible expense with consumer-directed healthcare accounts due to their role in treating medical conditions: prenatal vitamins and glucosamine/chondroitin supplements.
Is the Apple Watch HSA eligible?
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 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.
How does IRS know what you spend HSA on?
Verification of expenses is not required for HSAs. However, total withdrawals from your HSA are reported to the IRS on Form 1099-SA. You are responsible for reporting qualified and non-qualified withdrawals when completing your taxes.
What if I accidentally bought food on my HSA?
Yes, you read that correctly—even if you accidentally paid for a burger with your HSA debit card, you will have to report it on your annual income tax return and pay taxes on it. If you're under 65 and spend the money on unqualified purchases, you must also pay a 20% penalty on top of the income tax.
Can I use my HSA for gym membership?
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 I use HSA for dental?
Your HSA also covers expenses for standard dental cleanings and dental check-ups. One thing to keep in mind is that some of these procedures may have a co-payment, so it's important that you check with your dental insurance provider to find out exactly what you'll have to pay out of pocket.
Is a chiropractor covered by HSA?
Your HSA funds can cover medical expenses big and small, from ongoing costs, like chiropractic treatments, to unexpected ones, like crutches after an accident.