Can you buy condoms with HSA?
Asked by: Wilhelm Halvorson | Last update: September 8, 2025Score: 4.7/5 (32 votes)
Can you buy contraceptives with HSA?
You can use your HSA for birth control pills, fertility treatments, and pregnancy tests.
Can I buy lube with HSA?
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).
Can you buy tampons with HSA card?
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 you buy toothbrush with HSA card?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
What Can the HSA Debit Card Buy? (What Can You Purchase with HSA Funds?)
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 buy with HSA?
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)
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.
Can I use HSA to buy gym equipment?
The majority of fitness equipment and gym memberships and fitness classes can be covered by your FSA/HSA funds, but you'll need your doctor to fill out a Letter of Medical Necessity to use the funds to purchase them.
Can you 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 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 I use my HSA for skincare?
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.
Can you use HSA for sperm?
IVF, including egg and sperm storage, is potentially considered an eligible medical expense. Fees for temporary storage qualify, but only to the extent necessary for immediate conception. For example, storage fees for undefined future conception probably aren't considered medical care.
Is the Apple Watch HSA eligible?
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 use HSA 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 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.
Are sunglasses HSA eligible?
Yes. You can use your HSA to purchase sunglasses if you receive a prescription from a doctor. An HSA is paired with a high-deductible health plan (HDHP). This has a minimum annual deductible for an individual or family.
Can I 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.
Does HSA roll over?
Unspent HSA funds roll over from year to year. You can hold and add to the tax-free savings to pay for medical care later. HSAs may earn interest that can't be taxed. You generally can't use HSA funds to pay premiums.
Can you buy deodorant with an 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 you accidentally use your HSA account by mistake?
After you report the mistake to the custodian, the custodian reports it to the IRS. Reimburse the HSA. If you've mistakenly used HSA funds for nonqualified expenses, you must repay the distribution amount back into your HSA by the tax filing deadline for the year in which the distribution occurred.
Is 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.
Is it illegal to use HSA money for anything?
If you use your HSA for an expense other than eligible medical expenses you can subject yourself to significant IRS penalties.
Are vitamins HSA eligible?
Most vitamins and supplements are not eligible with an FSA or HSA because the IRS considers them for general good health.
Can I use my HSA for a vasectomy?
#11 Vasectomy
Your HSA can cover the costs associated with a vasectomy. Your HSA can also pay to reverse a previous vasectomy procedure.