Can you use HSA for hygiene products?
Asked by: Carmen Douglas | Last update: August 12, 2025Score: 4.2/5 (33 votes)
Can you use HSA for personal hygiene?
10 Costs Your HSA Won't Cover
Funeral expenses. Hair transplants. Personal hygiene items: conditioner, deodorant, lotion, mouthwash, shampoo, and toothpaste. Teeth whitening.
Can I use my HSA card for feminine hygiene products?
Yes! Alongside menstrual pads, incontinence pads are now classified as a “medical expense,” so they're HSA eligible.
Can you use HSA for toiletries?
Toiletries are not eligible for reimbursement 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 dental hygiene products HSA eligible?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
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Can I use my HSA for toothbrushes?
Electric toothbrushes can be eligible for reimbursement through your FSA (Flexible Spending Account) or HSA (Health Savings Account), but there are some conditions. To qualify, the electric toothbrush must be prescribed by a dentist to treat a specific dental condition.
Can I buy face wash with HSA?
Medicated body or face wash is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA).
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 buy shampoo on 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.
What qualifies as toiletries?
Anything you use for cleaning or grooming yourself is a toiletry. Your travel bag of toiletries might include tiny bottles of shampoo, dental floss, deodorant, and soap. You'll often find this word in its plural form, toiletries.
What can I not use my HSA card for?
Other items that aren't eligible include maternity clothes, funeral costs, child care for healthy babies, toiletries, over-the-counter medicine, swimming lessons and elective cosmetic procedures. You also usually can't use HSA money to pay for health insurance premiums unless you meet certain criteria.
Can I use my HSA for lube?
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 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 you use HSA for feminine hygiene products?
Thanks to the CARES Act passed in March 2020, sanitary pads and other feminine care products are fully eligible with consumer directed healthcare accounts.
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 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.
What if I accidentally used my HSA card for groceries?
If you catch the transaction early enough, you might even be able to contact the retailer and ask them to reverse the charge and fill it on a new card. If you bought something in person, you can also return it to the store and then buy it again with a different card.
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.
Can HSA buy 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 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 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.
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.
Can I buy a bed with my HSA?
According to the HSA Store, "A mattress expense is only eligible when its components and construction costs exceed those of a standard mattress for general health." To use your funds for a new mattress, you'll need to provide a letter of medical necessity (LMN) from a medical professional stating you have a medical ...
Can I use HSA on toothpaste?
What common healthcare expenses are not HSA-eligible? Preventive care that is not prescribed by a healthcare professional is not always HSA-eligible. Some examples of common healthcare expenses that fall into this category are: Personal hygiene items, such as toothpaste and deodorant.
Can I use HSA for sunscreen?
If you have a Flexible Spending Account (FSA), Health Saving Account (HSA) or Health Reimbursement Account (HRA), you can use it to pay for a wide variety of health care products and services. The IRS determines which expenses can be reimbursed. Sunscreen is considered one of those eligible expenses.