Is sunscreen HSA eligible?
Asked by: Brielle DuBuque III | Last update: October 13, 2025Score: 4.7/5 (14 votes)
Can you use an HSA for sunscreen?
FSAs (Flexible Spending Accounts) and HSAs (Health Savings Accounts) are employee benefits that let you set aside pre-tax dollars for certain healthcare expenses like healthcare appointment co-pays, specific medications... and sunscreen! That's right; your SPF favorites are FSA and HSA eligible!
Does HSA cover skin care products?
But rest assured knowing that you can use your HSA funds for skin cancer screenings as they are a qualified medical expense. HSA funds also cover skincare essentials like broad-spectrum suncare with SPF 15+. or even reparative acne solutions like light therapy.
Can you use HSA for sunscreen at Sephora?
You can spend your FSA (Flexible Spending Account) and HSA (Health Savings Account) funds on eligible sunscreen, skincare, acne, and wellness products at Sephora.
Is sun protective clothing HSA eligible?
Sun protective (SPF) clothing is 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).
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Can I use my HSA for sunglasses?
Yes, You Can Use Your FSA or HSA to Buy Sunglasses — Here's How. Key takeaways: Sunglasses with UV protection have health benefits, such as guarding your eyes against UV rays and reducing the symptoms of cataracts.
Is after sun lotion HSA eligible?
Sunburn creams and ointments are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA).
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.
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.
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 use my HSA for massages?
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.
Are vitamins HSA eligible?
In general, vitamins are not considered an HSA eligible expense unless they are prescribed by a doctor for a specific medical condition. For example, if your doctor prescribes prenatal vitamins during pregnancy or recommends vitamin D supplements to treat a deficiency, those could be eligible expenses under your HSA.
Are all sunscreens FSA eligible?
Sunscreen must be broad-spectrum (protective against both UVA and UVB rays) and have a minimum SPF of 15 to qualify as an FSA-eligible expense.
What skincare can I use my HSA for?
Eligible products may include sunscreen with SPF 15 or higher, acne cleansers and medicated ointments, eczema treatments, scar and wound care products, and anti-itch creams. Basic skincare and cosmetic treatments are typically not covered.
Can you use 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.
Are toothbrushes HSA eligible?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
What is the downside of an HSA?
Drawbacks of HSAs include tax penalties for nonmedical expenses before age 65, and contributions made to the HSA within six months of applying for Social Security benefits may be subject to penalties. HSAs have fewer limitations and more tax advantages than flexible spending accounts (FSAs).
Can you use HSA for glasses?
Both FSA and HSA pre-tax health accounts can be used to pay for prescription glasses, contact lenses, eye exams and more. Eyewear that corrects your vision is considered a medical product, which means you can use your health plans to help cover the cost.
Do I ever lose my HSA money?
Myth #2: If I don't spend all my funds this year, I lose it. Reality: HSA funds never expire. When it comes to the HSA, there's no use-it-or-lose-it rule. Unlike Flexible Spending Account (FSA) funds, you keep your HSA dollars forever, even if you change employers, health plans, or retire.
Can I buy deodorant with my 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?
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?
Does HSA cover any sunscreen?
Sunscreen for adults and for kids is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA) under certain conditions. Only sunscreens with SPF 15+ and "broad spectrum" protection are eligible.
Are massages HSA eligible?
Massage Therapy may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA).
Can you buy baby wipes with HSA?
While there are many baby and pregnancy products you can use HSA and FSA money on, not all health-related products are covered. Before you go on a shopping spree with your spending account, here are some health necessities that aren't eligible for HSA or FSA: Diapers. Wipes.