10 Surprisingly HSA Eligible Items

Health Savings Accounts (HSA) are designed to cover items and services that are qualified medical expenses, that is, items and services that are used primarily to treat or mitigate a medical condition. That seems cut and dry at first glance, but HSAstore.com features hundreds of products that have medical intent and every day use potential.

Some confusion remains about what exactly an HSA covers, and our goal is to make it easy for anyone with these accounts to shop with these accounts or learn more about their plans. Thousands of items are covered by these plans, but it can be difficult to tell precisely which products qualify. In terms of medical services, you can use your HSA from everything ranging from dental and eye care (using an HSA for co-pays and deductibles, for example) to annual physicals to visits with specialists like a chiropractor, an acupuncturist or a physical therapist.

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

Glasses are a medical necessity for many members of your family, but your HSA can also cover a wide range of products like eyeglass repair kits, cleaning wipes and accessories to keep them looking their best. 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. Time 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 Pepsid 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.

5. Smoking Cessation

Quitting smoking may be the best decision you'll ever make for your long-term health, and the non smoking 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 can be cut and placed on injured/affected areas, can provide stability for trouble spots and can help speed the healing process from stress and strain injuries by increasing blood flow.

8. Prenatal Vitamins

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

9. Pill Boxes

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

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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