10 Surprisingly HSA Eligible Items

Health Savings Accounts (HSAs) are designed to allow you to use pre-tax dollars to pay for items and services that are considered a qualified medical expense—that is, items and services that are used primarily to treat or mitigate a medical condition. That may seem pretty clear at first glance, but HSAstore.com features hundreds of products that qualify, including many that may surprise you.

Many people may be confused about what exactly an HSA covers. Our goal is to make it easy for anyone with a health savings account to shop without worry, and to learn more about their plan. In terms of medical services, you can use your HSA to pay for many expenses, ranging from dental and eye care, to annual physicals, to visits with specialists like a chiropractor, an acupuncturist or a physical therapist. In addition, thousands of items are covered by HSAs, but it can be difficult to tell precisely which products qualify.

Here are a few items that can help you get the most out of your HSA:

1. Sunscreen

As long as sunscreen is SPF 15 or greater and offers broad spectrum protection against UVA/UVB rays, it is eligible for reimbursement with an HSA for babies, kids and adults.

2. Eye Care

Prescription eyeglasses are a medical necessity for many, but your HSA can also cover Ga wide range of products like eyeglass repair kits, lens cleaning wipes, and prescription sunglasses. Additionally, contacts and contact lens care products like contact lens solution are also eligible.

3. Menstrual Care

Thanks to the passage of the CARES Act in 2020, feminine care products like tampons, menstrual cups, panty liners, pads, menstrual pain remedies, and more, are now fully HSA eligible. Remember to factor these essentials into your yearly medical spending plan!

4. Over-the-Counter Medicines

Thanks to the passage of the CARES act in 2020, over-the-counter medicines are now fully HSA eligible with no restrictions or prescriptions necessary. That means everything from pain relief products like Advil and Tylenol, allergy medicine like Zyrtec and Claritin or digestive health products like Pepcid AC and Immodium are now fully covered by your HSA. Take some time to examine your medicine cabinet to see how you can use your HSA to save on these health essentials you may already be buying.

5. Smoking Cessation

Quitting smoking may be the best decision you'll ever make for your long-term health, and the smoking cessation aids like nicotine gum, patches, lozenges, and more, that can help you see it through are also HSA eligible!

6. Hot & Cold Packs

Hot and cold packs play a vital role in the recovery period following a muscle strain or pull by reducing inflammation, promoting increased blood flow and healing. These items are must-haves for individuals and families alike and are eligible for HSA reimbursement.

7. Kinesiology Tape

This special athletic tape is trusted by athletes the world over to help them recover from workout injury and soreness while maintaining their freedom of motion to compete. This tape is meant to be cut and placed on injured or affected areas, where it can provide stability for trouble spots and can help speed the healing process from strain and stress injuries by increasing blood flow.

8. Prenatal Vitamins

Prenatal vitamins help to supplement the nutritional requirements women have during pregnancy, which can promote the healthy development of the child and help prevent potential birth defects.

9. Pill Boxes

Pill boxes make it easy to line up vitamins and medications for each day of the week, making this a smart purchase that can help you stay on top of your daily health needs.

10. Condoms/Contraceptives

Condoms and contraceptives play a major role in supporting positive reproductive wellness, and they are therefore eligible for reimbursement with HSAs.


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