Staff Picks: 10 HSA Eligible Must-Haves for Summer
Summer’s here—and with it comes sun, travel, bug bites, and all the moments in between. Whether you're chasing kids around the yard, packing for a beach trip, or finally tackling that hiking trail, your HSA can help cover more than you think.
We asked the HSA Store® team to share the HSA eligible products they find most useful in the summer, including sun protection, bug relief, foot care, and first aid items. The only hard part? Narrowing it down to 10.
Here are our staff’s personal picks to help you make the most of your summer—with fewer surprises and more peace of mind.
HSA Eligible Sun Protection
1. Sun Bum® Lip Balm Watermelon - SPF 30
“I used to always forget about SPF for my lips, but this one [lip balm] smells amazing and feels even better. Now it’s in my daily routine.” — Kaley, HSA Store® Employee
This broad-spectrum lip balm protects against UV rays while keeping lips comfortable and protected—ideal for daily sun exposure.
2. MDSolarSciences Daily Perfecting Moisturizer, SPF 30
“I like that this covers hydration and sun protection in one. It’s lightweight and easy to use every day.” — Sarah, HSA Store® Employee
This daily-use moisturizer offers broad-spectrum SPF 30 protection to help defend against sun damage while nourishing skin.
3. EltaMD UV Clear Broad-Spectrum Face Sunscreen, SPF 46
“It’s the only sunscreen I’ve found that doesn’t cause irritation. I use it every day without fail.” — Kathleen, HSA Store® Employee
Formulated for sensitive and reactive skin, this sunscreen offers high SPF 46 protection to help prevent sunburn and support long-term skin health.
4. Baby Bum SPF 50 Mineral Sunscreen Face Stick
“It’s fast and mess-free, even when I have to put it on a moving toddler. I never worry about missing a spot.” — Brittany, HSA Store® Employee
This SPF 50 mineral sunscreen face stick provides strong sun protection in a portable, swipe-on format—great for quick applications and wiggly kids.
HSA Eligible Bug Bite and Itch Relief
“I keep this in every bag during summer—car, beach tote, diaper bag. It works so well, especially for the kids, and it’s totally drug-free.” — Kamila, HSA Store® Employee
This simple tool helps remove insect saliva or venom to relieve itching, stinging, and swelling. No creams, no mess—just instant relief.
HSA Eligible Foot Care and Comfort
6. ProFoot Heel Rescue Callus Blaster Gel
“After a weekend in sandals or walking around barefoot, this is what I reach for. It keeps my heels from cracking and helps me stay comfortable all summer.” — Jacob, HSA Store® Employee
Long days in flip-flops or barefoot walks can take a toll on your feet. This powerful gel helps break down tough, dry skin to prevent painful cracks and keep your heels feeling their best all season.
7. Vibrathotics Vibrating Shoe Insoles
“These changed the game for me after long hikes. I don’t need pain relievers when I use them.” — Marc, HSA Store® Employee
These vibrating insoles stimulate nerves and boost circulation to ease pain and numbness—especially after long days on your feet.
HSA Eligible Active Recovery and Injury Support
“It helps keep mobility in my spine and relieves any stiffness.” — Karly, HSA Store® Employee
This tool uses pressure to massage the muscles around the spine, easing back pain, improving posture, and increasing flexibility.
9. Therabody Recovery ThermCube
“This electronic ice pack is a game-changer. No mess, no melting, and no need to hold it in place.” — Sean, HSA Store® Employee
This compact, portable device can be worn anywhere on the body and uses hot and cold therapy to treat injuries and reduce pain.
HSA Eligible First Aid
“We keep one in the car all summer. The bright colors make it less scary for the kids, and it’s got everything we need for small scrapes or bites.”— Francel, HSA Store® Employee
Perfect for family outings, this cheerful kit is packed with colorful bandages and on-the-go first aid essentials. Whether it’s a playground tumble or a bug bite at the campsite, it makes taking care of summer mishaps a little less stressful.
In Summary
When it comes to summer, your HSA has your back. With eligible sunscreen, bug bite relief, footcare, and first aid products, you’ve got the season handled. Your tax-free funds let you cover the basics so you can enjoy your time in the sun stress-free.
FAQs
Is sunscreen HSA eligible?
Yes. Sunscreens with an SPF of 15 or higher and with broad spectrum (UAB, UAV) protection are eligible.
Can I use my HSA for bug spray or insect repellent?
Bug spray, also known as insect repellent, is not HSA eligible unless it’s combined with sunscreen SPF 15 or greater and the product’s primary purpose is sun protection.
Are first aid kits HSA eligible?
Yes. First aid kits are HSA eligible because they treat injuries such as cuts, scrapes, and burns. For a product to be HSA eligible, it must be used to diagnose, treat, or prevent an injury or illness.
Are shoe insoles HSA eligible?
Yes. Shoe insoles, which help correct or prevent chronic foot issues, are eligible for HSA reimbursement.
