10 Surprisingly HSA Eligible Items

Health Savings Accounts (HSAs) are designed to allow you to use pre-tax dollars to pay for health products and services that are considered a qualified medical expense — that is, products and services that are used primarily to treat or mitigate a medical condition. A lot of these HSA qualified products might seem obvious — over-the-counter pain medication, bandages, cold & flu remedies — but there are hundreds of items you may not have considered.

Many people may be confused about what exactly is eligible for purchase with an HSA. 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 some of the most popular items that can help you get the most out of your HSA:

1. Sunscreen

Whether you're looking for chemical or mineral sun protection for your self or the whole family, 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.

2. Eye Care

Prescription eyeglasses are a medical necessity for many, but your HSA can also be used to save on a wide range of products like eyeglasses repair kits, lens cleaning wipes, and prescription sunglasses. 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, menstrual 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. Hi-Tech Health Devices

Many tech devices that are used for a medical purpose, such as relieving pain or tracking vital health statistics, are HSA eligible. From pain-relieving massage guns, to nerve-stimulating TENS therapy devices, to sleep health trackers, to light therapy for pain relief and skincare, to diagnostic tools like at-home EKG units and more, there are many surprisingly eligible products you can buy with pre-tax dollars. 

5. Smoking Cessation

Quitting smoking may be the best decision you'll ever make for your long-term health, and the smoking cessation aids that can help you see it through — like nicotine gum, patches, lozenges, and more — 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, and 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 some 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, contraceptives (including daily birth control as well as emergency contraceptives), fertility trackers, ovulation strips, and pregnancy tests play a major role in supporting positive sexual and reproductive health and wellness, and are eligible for purchase or reimbursement with HSAs.

Ready to shop? Explore hundreds of guaranteed eligible products and services, right here.

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