Can I use my HSA to pay for cold medicine?
Asked by: Gregg Orn | Last update: June 25, 2025Score: 4.8/5 (40 votes)
Can I use my 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 you use a HSA card for cough drops?
Cough drops 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 my HSA to pay for OTC medicines?
Thanks to the Coronavirus Aid, Relief and Economic Security (CARES) Act, you can use your FSA or HSA funds to buy OTC medications. Those types of medications include: Cold, cough, and flu medicine. Heartburn medications.
Can I use HSA for Advil Cold and Sinus?
Yes, you can use your Health Savings Account (HSA) to purchase over-the-counter drugs without a prescription from your physician. Use your HSA for all Advil products.
How to Use an HSA to Pay for Medical Bills
Is cold medicine covered by HSA?
The CARES Act has expanded the list of HSA-eligible items to include over-the-counter (OTC) purchases such as allergy, cough, and cold medications.
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.
Can you use HSA for NyQuil?
Q: Can I use my HSA to purchase over-the-counter medications? A: Yes, you can.
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?
Is teeth cleaning covered by HSA?
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 you use HSA for mucinex?
Effective January 1, 2020, OTC medications such as Mucinex, Sudafed, and Tylenol Cold + Flu are all HSA-eligible 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.
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).
Can you use HSA on Tylenol?
Did you know you can use your FSA and HSA benefits on eligible TYLENOL® Brand products? This is your reminder! Product eligibility may vary by plan. Check with your benefits administrator to determine which expenses are eligible before you shop.
Are massages covered by 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.
Does HSA cover emergen C?
According to the IRS, you cannot use your HSA to pay for vitamins or supplements that are taken for general health. However, you can use your HSA to pay for vitamins or supplements that have been recommended by a health professional to treat or prevent a specific 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).
What can I not spend HSA on?
For example, nutritional supplements that aren't prescribed by your doctor aren't covered. Health club memberships and lactose intolerance medications typically aren't covered either. Here are some examples of non-qualified HSA expenses: Babysitting or child care (a dependent care FSA can help with child care)
Are toothbrushes HSA eligible?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
Can you buy cold meds with HSA?
Stock up on over the counter (OTC) remedies
Earlier this year, the CARES Act was passed, which made over-the-counter medication HSA-eligible medical expenses. These include things like pain relievers, fever reducers, cough meds, antihistamines, decongestants, nasal sprays, nasal rinses, humidifiers, and more.
Can I use HSA for gym membership?
Gym memberships are generally not considered qualified medical expenses under IRS guidelines. While physical fitness is important, gym memberships are typically viewed as personal or recreational expenses rather than a medical necessity. So using HSA funds for them could result in taxes and penalties.
Can I buy bandaids with HSA?
OTC items include, but are not limited to band aids, bandages and wraps, braces and supports, catheters, contact lens solutions and supplies, contraceptives and family planning items, denture adhesives, diagnostic tests and monitors, diabetic supplies and testing, first aid supplies, peroxide, and rubbing alcohol.
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 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 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.