FSA and HSA eligible items you can buy online


I have a Health Savings Account (HSA) through Fidelity and I love seeing the account grow. All of my contributions to my HSA are tax deductible, earnings, dividends, and interest grow tax-free, and I pay no tax on withdrawals for eligible medical expenses. In my opinion, anyone with a high-deductible health plan eligible for an HSA should get one.

Most people know that you can use HSA money for hospital expenses not covered by your insurance, but many don’t know that you can buy everyday household items with HSA funds. It’s great to know that if I ever need to cut back on spending on my main bank account, there’s a wide range of products I can buy with an HSA card or get reimbursed later (even years later !).

Some people do not have an HSA account, but have a Flexible Spending Account (FSA) as part of their job. As an HSA, you are not limited to hospital purchases with your FSA and there are many more eligible items than you probably realize.

Remember to check with your insurance provider for the specific details of your plan.

Popular household items eligible for FSA and HSA

Ibuprofen and acetaminophen (Tylenol)

GoodSense Ibuprofen Tablets 200mg

$8.49


You never know when a headache is going to strike, so it’s wise to have a painkiller on hand at all times. Once you already have one, you won’t be in the mood to run to the store. I usually use ibuprofen, but acetaminophen (the most popular brand being Tylenol) is also covered, if that’s your preference.

Tampons & pads

Tampax Radiant Plastic Tampons

Tampax Radiant Plastic Tampons

$29.36


Feminine hygiene products are a monthly expense that can add up to a significant amount of money over time. Pads and tampons can be purchased with HSA/FSA money. Also, some products, such as Tampax Radiant tampons, are cheaper if you use Amazon’s Subscribe & Save feature.

You can save money on your regular monthly budget by paying with your HSA and reduce your overall expenses with Subscribe and Save. Plus, you’ll always be supplied and you’ll never have to invoke Woman’s Code Rule #1, which states that you always give a pad or tampon to a woman in need.

Throat pills

Chloraseptic Max Strength Sore Throat Lozenges

Chloraseptic Max Strength Sore Throat Lozenges

$12.60


Throat lozenges can be a lifesaver if you have a cold, flu or allergies. I always have Chloraseptic throat lozenges on hand to numb my throat if I get sick. Depending on your condition, it’s easy to go through a lot of lozenges, so it’s reassuring to know that they’re HSA/FSA eligible.

Home COVID-19 tests

iHealth COVID-19 Rapid Antigen Test, Pack of 2

iHealth COVID-19 Rapid Antigen Test, Pack of 2

$17.98


According to Publication 969, the cost of home testing for Covid 19 is an eligible medical expense that you can pay (or be reimbursed) with a health FSA or HSA. It is wise to always have a rapid COVID-19 antigen test ready at home as you never know when testing centers will be busy and you may feel too sick to leave your home.

Reading glasses

Reading glasses

Reading glasses

TruVision Readers

amazon.com

$24.95


Do you have a big pile of books on your “To Read” list, but you need reading glasses because everything is blurry? Get a few pairs of TruVision reading glasses and you can clearly see what a good investment you’ve made.

shoe soles

Dr. Scholl's TRI-COMFORT Insoles

Dr. Scholl’s TRI-COMFORT Insoles

$7.97


Conventional wisdom says it’s worth investing in items that separate you from the ground, like shoes, tires, and your bed. While a new pair of shoes can be expensive, a pair of insoles is much more affordable, and Dr. Scholls’ Tri-comfort insoles are HSA and FSA eligible and can help keep your feet comfortable.

Lip balm

Carmex Classic Medicated Lip Balm 0.25 oz (12 Pack)

Carmex Classic Medicated Lip Balm 0.25 oz (12 Pack)

CARMA LABORATORIES INC

amazon.com

$14.28


I think it was in college that I started my lip balm addiction. I need to have it with me at all times, especially in winter. If you still need it, know that you can use your HSA money to buy it. Note that lipstick (like any other makeup) does not count. Personally, I like to use Carmex Classic Lip Balm in the winter.

Pregnancy tests

First Response Early Result Pregnancy Test, Pack of 3

First Response Early Result Pregnancy Test, Pack of 3

FIRST RESPONSE

amazon.com

$9.22


It’s common to use HSA funds for pregnancy expenses like prenatal ultrasounds, but it’s less well known that you can pay for costs like pregnancy tests and prenatal vitamins. Babies are expensive, so the more money you can save before they arrive (or get your money back later), the better.

Solar cream

Coppertone Sport Broad Spectrum Continuous Sun Spray SPF 50 Multipack

Coppertone Sport Broad Spectrum Continuous Sun Spray SPF 50 Multipack

$22.66


If I don’t put on sunscreen, it’s not a question of whether I’m going to burn or not. It’s a question of how badly I’m going to burn. Even if you don’t burn, it’s important to protect your skin when you’re out in the sun to reduce your risk of skin cancer. I like to wear at least SPF 50 sunscreen to protect myself.

Thermometer

Non-contact forehead thermometer for adults and children

Non-contact forehead thermometer for adults and children

$19.99


Thermometers tell you if your fever is too high for work, if your child is allowed to go to daycare that day, and can be useful information for a doctor if you need to go to the emergency room. If you’re still using an old-fashioned thermometer that you put in your mouth, consider switching to a non-contact forehead thermometer to reduce the spread of germs in your household.

Allergy Medicine

GoodSense All Day Allergy, Cetirizine Hydrochloride Tablets

GoodSense All Day Allergy, Cetirizine Hydrochloride Tablets

$15.51


April showers bring May flowers…and your seasonal allergies. If you use allergy antihistamines to prevent runny nose and watery eyes, consider purchasing them with your HSA card. GoodSense All Day Allergy lets you subscribe and save, so it’s a good option for people who need daily allergy relief.

Screwdriver

TUMS Heavy Duty Antacid Tablets for Relief of Heartburn and Chewable Acid Indigestion

TUMS Heavy Duty Antacid Tablets for Relief of Heartburn and Chewable Acid Indigestion

$8.19


I’m a big fan of spicy foods, but when others less accustomed to spices try my favorite dishes, it can cause an upset stomach. Tums and other antacids are HSA and FSA eligible. This is another item you want to buy before you need it, because you never know when you’ll have tummy issues.

How to add your HSA or FSA card to Amazon

Adding your FSA or HSA card to Amazon is easy.

Step 1: In your account, go to “Your payments”.

Your payments

Your payments

Hannah Kowalczyk-Harper

2nd step: Click on “Add a payment method”.

Add payment

Add payment

Hannah Kowalczyk-Harper for Hearst

Step 3: Click on “Add an FSA or HSA card”.

Add a map

Add a map

Hannah Kowalczyk-Harper for Hearst

Step 4: Enter your card information (name, card number, expiration date)

Enter card information

Enter card information

Hannah Kowalczyk-Harper for Hearst

Step 5: Start buying HSA/FSA eligible items like those listed above!


Contact your account provider if you haven’t received an HSA or FSA card (sometimes you need to apply for one). For your FSA card, you may also need to speak to your employer.

Am I losing HSA/FSA money that I’m not spending?

Changing employers often means you lose any unspent money in your FSA account. Often money is not carried over to the next year, even for the same work, or only part is carried over and the rest is lost. If the money is going to be wasted, you can also make common household purchases like ibuprofen and lip balm with the funds.

However, if you open your own HSA, that money rolls around forever. The coolest thing is that there is no time limit for the reimbursement of eligible medical expenses! Provided the purchases were made after your HSA was established, you can reimburse yourself with HSA funds at any time.

Although you do not have to pay tax on qualifying distributions, you will still need to report the distributions on Form 8889. Keep receipts and do not spend distributions on non-qualifying purchases unless you are prepared to pay ordinary taxes and an additional 20% tax on distribution.

Remember, money in an HSA or FSA account is your money, so make sure you get the most out of it.


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