What over-the-counter items can I use my HSA for?

Asked by: Max Ebert  |  Last update: July 27, 2022
Score: 4.3/5 (45 votes)

Which OTC items are now eligible expenses?
  • Cold, cough, and flu medicine.
  • Tampons, pads, and liners.
  • Pain relievers and anti-inflammatory medications.
  • Allergy and sinus medicine.
  • Digestive aids and laxatives.
  • Baby rash ointments and creams.
  • Baby electrolytes.
  • Sleep aids.

What can I buy with my HSA debit card list of things?

In addition to doctor bills, hospital stays and prescription drugs, HSAs can also pay for the following items, which might surprise you:
  • Over-the-counter medications.
  • Menstrual products.
  • Alternative treatments.
  • Travel for health care.
  • Dental and vision care.
  • Guide dogs.
  • Some insurance premiums.
  • Medicare costs.

Can I use my HSA for over-the-counter medication 2020?

Effective January 1, 2020, OTC medications like Mucinex, Sudafed, and Tylenol Cold & Flu are all HSA eligible without a prescription.

Can I buy Tylenol with my HSA card?

There are two common types of over-the-counter pain medications: acetaminophen and nonsteroidal anti-inflammatory drugs (NSAIDs), both of which are now among the eligible expenses available from an HSA and FSA.

Can I buy toothpaste with HSA?

Toothpaste 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).

New HSA & FSA Eligible Expenses | Healthcare Items to Buy Right Now

39 related questions found

Can I buy vitamins with HSA?

Generally, weight-loss supplements, nutritional supplements, and vitamins are used for general health and are not qualified HSA expenses. HSA owners usually cannot include the cost of diet food or beverages in medical expenses because these substitute for what is normally consumed to satisfy nutritional needs.

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 I buy ibuprofen with my HSA?

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.

Can you buy toilet paper with HSA?

On the counterpoint, let's take a quick look at some of the expenses that don't qualify for payment out of your HSA, even during the coronavirus pandemic: Babysitting and childcare costs for a normal, healthy child. Medicines and drugs from other countries. Personal care items like toilet paper and soap.

Can I buy groceries with my HSA card?

No, you can't use your Flexible Spending Account (FSA) or Health Savings Account (HSA) for straight food purchases like meat, produce and dairy. But you can use them for some nutrition-related products and services. To review, tax-advantaged accounts have regulatory restrictions on eligible products and services.

Can I buy shampoo with HSA?

While some exceptions may vary, shampoo is generally 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).

What qualifies for HSA purchases?

HSA - You can use your HSA to pay for eligible health care, dental, and vision expenses for yourself, your spouse, or eligible dependents (children, siblings, parents, and others who are considered an exemption under Section 152 of the tax code).

Do I need receipts for HSA expenses?

Recordkeeping Requirements

Essentially, any money that comes out of your HSA must have a receipt showing it was for an eligible medical expense. You may face a 20% penalty on any distribution that you cannot prove was for a qualified medical expense.

Can I buy wet wipes with HSA?

Hand sanitizing wipes are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Can HSA be used for electric toothbrush?

Electric toothbrushes are not eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA), dependent care flexible spending accounts, and limited-purpose flexible spending accounts (LPFSA) because they are general health products.

Are Tums HSA eligible?

Acid controllers such as Tums or Prilosec are OTC medicines that are eligible with an FSA account, HSA or HRA.

Is Benadryl HSA eligible?

Allergy products

Those who do have allergies can now find relief with their HSA and FSA funds in the form of over-the-counter antihistamines and decongestants.

Can I use my HSA card for cold medicine?

Cold medicine is an eligible over-the-counter (OTC) drug with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Can I use my HSA for skin care products?

Sunscreen and acne skincare products

You can use your HSA or FSA to put your best face forward. Because acne is considered a medical problem and not a cosmetic problem, you can purchase acne cleansers, gel and creams, even at-home light therapy kits with your benefits debit card.

Are diapers and wipes HSA eligible?

Diapers are not eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement arrangements (HRA), dependent care flexible spending accounts (DCFSA) or limited-purpose flexible spending accounts (LPFSA).

Can you buy protein powder with HSA?

Protein bars/powders/shakes 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).

Is fish oil covered by HSA?

Fish oil supplements may be eligible with an LMN if used to treat a medical condition with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA).

What can HSA be used for 2021?

List of HSA-eligible expenses
  • Abortion.
  • Acne laser treatment.
  • Acupuncture.
  • Ambulance fees and emergency care.
  • Artificial limbs.
  • Birth control pills, injections, and devices, such as IUDs.
  • Blood pressure monitors.
  • Body scans.

Are electrolytes HSA eligible?

Rehydration solution is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Can I buy water with my HSA card?

Water fluoridation is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), health reimbursement accounts (HRA), and limited-purpose flexible spending accounts (LPFSA) with a Letter of Medical Necessity.