Can I use my HSA for cough medicine?
Asked by: Marjolaine Kuhic | Last update: January 13, 2026Score: 4.8/5 (72 votes)
Can HSA be used for DayQuil?
Q: Can I use my HSA to purchase over-the-counter medications? A: Yes, you can.
Can you use an HSA to pay for medications?
Along with prescription drugs, your HSA covers eligible medical expenses as defined by the IRS, including: medical care. vision and dental care expenses, plus hearing aids.
Can I use HSA for cold sore medicine?
You can also use your health savings account (HSA) to purchase cold sore cream like Abreva® without a prescription.
Can I use HSA for throat lozenges?
Throat lozenges are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Throat lozenges are not eligible with a dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).
DWYM: Last two days to buy over the counter meds with HSA
Does HSA cover cough medicine?
Now, you can save money on popular OTC items — such as pain relievers, cold and cough medicines, and qualified acne products — by using your HSA or FSA. Before you make a purchase, it's important to confirm if your item is a qualified HSA or FSA expense.
Can I use HSA to buy chapstick?
Lip balm with an SPF of 15 or greater is an eligible over-the-counter (OTC) product with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
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.
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 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).
Can you use HSA for Tylenol?
Tylenol is 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).
What happens to unused HSA funds?
Unlike many flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs), unused HSA funds automatically carry over to the following year. Even if your employer provided the account and made contributions, the account belongs to you — so any remaining funds are carried over every year.
Can I 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?
Can I use HSA for Robitussin?
Yes, you can OTC cold medicine like Robitussin with your FSA AND HSA account funds.
Is Benadryl HSA-eligible?
Benadryl is an over-the-counter (OTC) medication eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) and a health reimbursement arrangement.
Can I use my HSA for vitamins?
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.
Can I buy Gatorade with HSA?
You can grab a pack of ORS using your HSA or FSA funds without a prescription. However, rehydration sports drinks (think Gatorade) and electrolyte solutions containing additional additives (such as caffeine, immunity boosters, or the like) are not eligible.
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.
Are gym memberships FSA eligible?
The Internal Revenue Service (IRS) usually doesn't allow funds from an FSA to pay for membership dues at health clubs or gyms. However, the IRS allows FSA funds to be used for paying separate fees charged at health clinics or physical therapy centers for specific activities prescribed by doctors for an individual.
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 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.
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.)
Are tampons FSA eligible?
Feminine hygiene products: Pads, liners, and tampons all qualify as FSA-eligible expenses. The end of the year is a good chance to stock up if you need to. Pain relievers: Over-the-counter pain medications such as Aleve, Tylenol, and generic versions of the drugs are available for purchase through FSA funds.
Can I buy sunscreen with my HSA?
Yes, sunscreens that meet certain conditions are eligible for reimbursement with your HSA or FSA. Specifically, the sunscreen must have an SPF of 15 or higher and offer broad-spectrum protection to be eligible. Note that some products which include SPF are not eligible.
Can I buy mouthwash with my HSA?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.