10 Surprisingly HSA Eligible Items

basket of surprisingly eligible HSA products

Key takeaways:

HSAs can do much more than cover medical bills. Many everyday health items qualify for reimbursement.
Popular products that are eligible include sunscreen, menstrual care supplies, pain-relieving massage guns, and baby health monitors.
Tools like the Eligibility List® and ExpenseTracker™ app make it easier to find products that qualify and get reimbursed.

Your HSA can certainly come in handy if you need help covering a doctor bill.

But you can also use it to save on everyday health purchases that improve your quality of life and save you money long term. In fact, lots of products you regularly pick up at the store may qualify for reimbursement.

Here’s a look at 10 common health items you might not have known were HSA eligible.

Daily Wellness Essentials

Products you use as part of your health routine or to prevent illness can make a big difference in your well-being. And many of them are likely HSA eligible.

1. Sunscreen

Sunscreen qualifies for HSA reimbursement if it's SPF 15 or higher and offers broad spectrum protection against UVA/UVB rays.

2. Eye Care

Prescription eyeglasses and contact lenses are HSA eligible. But you can also use your HSA on a wide range of related products such as repair kits, lens cleaning wipes, contact lens solution, and prescription sunglasses.

Hundreds of other daily health products are eligible. Search for items with our Eligibility List®.

Preventive Care Tech and Tools

Many health tech products that are used for medical purposes, such as relieving pain or tracking vital health metrics, are HSA eligible.

3. Hi-Tech Health Devices

These items can provide state-of-the-art treatment in the comfort of your home. Think pain-relieving massage guns, nerve-stimulating TENS therapy devices, and light therapy for acne care. Diagnostic tools like at-home EKG units also qualify.

Find more eligible hi-tech products.

Pain Relief and Care Products

Your HSA also has your back when it comes to taking care of your body. That includes everything from workday soreness to sports injuries to menstrual care.

4. Hot and Cold Packs

Hot and cold packs help ease muscle soreness or injury by reducing inflammation and promoting increased blood flow and healing.

5. Kinesiology Tape

This special athletic tape helps with recovery from workout injury while maintaining freedom of motion to compete. The tape is cut and placed on injured or affected areas, where it reduces swelling and pain by pulling away skin from the tissues beneath it.

6. Exercise Recovery Tools

These products help you bounce back fast from workouts so you can stay active and pain-free.

Discover more HSA eligible workout support here.

7. Menstrual Care

Thanks to the passage of the CARES Act in 2020, menstrual products like tampons, menstrual cups, panty liners, pads, menstrual pain remedies, and more are fully HSA eligible.

Mom and Baby Products

Mom and baby products are also HSA eligible. These items help foster the health of both new mothers and newborns.

8. Baby Health Monitors

Get real-time information on your baby’s health so you can rest easy. These products can track pulse rate, oxygen level, sleep patterns, temperature, and more.

9. Breast Feeding and Pumping

A variety of HSA eligible items offer breastfeeding support at home, work, or on the go with easy-to-use tools.

10. Children’s Cold and Fever Reducers

Relieve your baby’s symptoms fast with cough and cold products from top brands—all HSA eligible.

In Summary

It’s easy to focus on big ticket health expenses when you think about spending your HSA funds. But smaller purchases can also pay off over time by keeping you healthy, offering convenience, and supporting wellness. So don't forget to factor these eligible essentials into your yearly medical spending plan.

If you need help organizing your purchases for reimbursement, check out our ExpenseTracker™ app. It can track down eligible items, store your receipts in one place, and generate expense reports.

FAQs

How do I know if a product qualifies for HSA reimbursement?

Generally, a product has to treat, cure, mitigate, diagnose, or prevent a medical condition to qualify for HSA reimbursement.

Can I use my HSA for vitamins and supplements?

Prenatal vitamins are HSA eligible.

Multivitamins are only eligible for reimbursement with a Letter of Medical Necessity from a healthcare provider. They must be used to prevent or treat a medical condition. The same rule applies for nutritional supplements.