Let me tell you about one of my favorite shopping secrets: Your HSA and FSA can pay for so much more than copays and prescriptions. You can use the tax-free dollars in a Health Savings Account (HSA) or Flexible Spending Account (FSA) on tons of unexpected items including sunscreen, acne treatments, reading glasses, and even prenatal vitamins.
I looked into the full list of HSA- and FSA-eligible products and found quite a few examples of surprising items that qualify, according to the IRS. You can shop for qualifying items at places like Ulta, Sephora, the Amazon HSA store, CVS, and even Costco. And you can stretch your tax-free dollars even further by clipping digital store coupons before you shop.
Just remember: you can only use HSA or FSA funds on qualified medical expenses designed to prevent or treat illness. So no, that trip to Maui won't count as mental health treatment (trust me, I checked.)
What's on this page:
- Skincare and Dermatology Products
- Pain Relief and Anti-Inflammatory
- Women's Health and Feminine Care
- Baby and Child Care
- Digestive Health
- Respiratory and Allergy Care
- Vision and Eye Care
- Sleep and Wellness
- Mobility and Accessibility
- Hearing
- Foot Care
- Oral Health
- Ear Care
- Smoking Cessation
- First Aid and Emergency Care
- Diagnostic and Monitoring Equipment
- Items Requiring a Letter of Medical Necessity
Skincare and Dermatology Products
1. Gold Bond Lotions, Creams, and Powders
Body lotions like Gold Bond Medicated Extra Strength Body Lotion and foot creams such as Gold Bond Therapeutic Foot Cream qualify as medical expenses because they can be suitable for use on very dry or problem skin areas. OTC Gold Bond products that help treat special skin conditions like eczema and psoriasis may be eligible too. This means you can use your HSA/FSA funds to buy products like Gold Bond Eczema Relief Lotion, Gold Bond Eczema Relief Hand Cream, and Gold Bond Psoriasis Relief Cream.
Body powders used to absorb moisture and control odor and itching — such as talc-free Gold Bond Medicated Body Powder — are also considered qualifying medical expenses, since they can be used to treat symptoms associated with minor skin irritation.
Here are a few current deals at CVS, including an Ibotta rebate that works with Gold Bond Powder:
Medicated Lotion
Use as directed. ©2025 Gold Bond Co LLC
Eczema Cream
Use as directed. ©2025 Gold Bond Co LLC
Body Powder
Use as directed. ©2025 Gold Bond Co LLC
Foot Cream
Use as directed. ©2025 Gold Bond Co LLC
2. Allergy Medicine
Allergy meds can be pricey, but using tax-free dollars to pay for them helps. Over-the-counter allergy medicines are HSA- and FSA-eligible expenses. For an even better deal, spend $25 on select eligible wellness items in a single transaction and receive a $5 Reward, or spend $40 and receive a $10 Reward. Allergy medications are included, but other select items are also eligible.
Plus, each qualifying purchase also earns one sweepstakes entry for a chance to win a wellness getaway.**
Here's how it works:
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Purchase $25 or $40 (excluding tax) or more of participating products in one transaction online or in store (in the U.S.) between Oct. 5, 2025, and Dec. 20, 2025. Retain your receipt.
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Take a photo of your entire receipt showing the qualifying item(s) starred. For online purchases, take a screenshot of your shipping, pickup, or delivery confirmation.
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Visit www.activaterewards.com/healthyrewards, enter your information, and submit the image of your full receipt by Dec. 20, 2025.
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Submissions are reviewed within two to five business days. Once your submission has been validated, you'll receive an email with a link to choose your reward.* Each valid submission will also receive entry into the offer sweepstakes for a chance to win a wellness getaway.**
One sweepstakes entry per receipt submission.
Most of these products are HSA- and FSA-eligible. Check with your individual provider for coverage.
Use as directed. @2025 Chattem Inc, dba Opella *Deal and/or coupon terms and conditions apply.
3. Acne Treatments and Cleansers (Neutrogena, Clean & Clear, Aveeno, La Roche)
You can buy some of the most-loved face cleansers, gels, and astringents with your HSA or FSA card. Brands such as Neutrogena, Clean & Clear, Aveeno, and La Roche have products that qualify, including Neutrogena’s popular Pink Grapefruit Oil-Free Acne Face Wash ($9.49 at Target).
We keep track of all the latest coupons for acne products:
4. Antibiotic Creams and Ointments (Neosporin, Bactine, Nexcare)
Yes — Neosporin counts as an HSA- and FSA-eligible expense! Other wound care products from Bactine and Nexcare also qualify.
KCL TIP: Before you start an HSA or FSA spending spree, always check with your provider to confirm your purchases are eligible. Use our list of HSA- and FSA-eligible expenses as a guide for which items qualify. IRS Publication 502 is another good resource to bookmark.
5. Eczema Treatments (Aquaphor, CeraVe, Cortizone)
Your HSA/FSA is good to pay for soothing creams and lotions made for Eczema relief. Buy eligible products from top brands including Aquaphor, Cerave, and Cortizone, and look for current deals to save more:
6. Insect Bite Creams and Ointments (After Bite, Benadryl Itch Relief)
You can buy After Bite, Benadryl itch relief, and Eucerin calming lotion with your HSA/FSA funds. Be sure to check our site for Benadryl coupons or Eucerin coupons before you shop to lower your out-of-pocket cost.
7. Sunscreen (SPF 15+)
As long as it has an SPF of 15 or higher and broad spectrum protection against UVA/UVB rays, sunscreens qualify as an HSA or FSA purchase. That means you can stock up on sunscreens for babies, kids, and adults — even from pricier brands including Neutrogena, Sun Bum, Banana Boat, and Supergoop.
See all the current sunscreen coupons and deals we're finding.
Pain Relief and Anti-Inflammatory
8. Athletic Braces and Mouth Guards
Athletes get to reap the HSA/FSA benefits too. Tons of products for joint and muscle pain relief are HSA-eligible, including athletic tape, joint wraps and ankle braces.
9. Compression Socks
Compression socks are pricey but necessary for certain medical conditions. Luckily, compression socks from brands including VIM & VIGR and Skineez qualify as an HSA/FSA purchase.
10. Lumbar Support (Back Braces, Decompression Belts)
If your back pain gets in the way of everyday activities, you can shop a variety of HSA- and FSA-eligible products to help, like back braces and decompression belts.
11. Pain Relief Creams (Icy Hot, Aspercreme)
Pain relief creams and treatments — like those from Icy Hot and Aspercreme — are often eligible for HSA and FSA. With the end of the year approaching, now's the time to stock up — many retailers have deals on medicine cabinet essentials at the end of the year for this exact reason.
12. Pain Relievers (Advil, Tylenol, Excedrin)
You can use your HSA/FSA to buy lots of over-the-counter pain relief staples, including Advil LiquiGels, Tylenol, IcyHot patches and Excedrin Extra Strength. But there are many more brands to choose from.
See the current over-the-counter medicine savings we've found for you:
Women's Health and Feminine Care
13. Condoms and Contraceptives
A variety of condoms from Trojan, Durex, and LifeStyles all qualify as HSA- and FSA-eligible expenses.
14. Menstrual Cups
Ever since 2020, menstrual cups such as the Diva Cup, are considered an FSA- and HSA-eligible expense.
15. Nursing Bras and Supplies
Don’t buy nursing bras unless it’s with your HSA! Other nursing products, including breast pumps and breast milk storage bags and bottles, are also HSA- and FSA-eligible.
16. Pads, Liners, and Tampons
Say goodbye to overspending on feminine hygiene. Pads and liners from brands including Poise and U by Kotex are considered eligible medical expenses, so it’s always smart to stock up. Even though your FSA or HSA will cover these items, always look for deals to lower your out-of-pocket cost.
17. Period Underwear
It's true — no more pink tax! Like tampons, pads, and liners, period underwear is covered by your HSA/FSA. That includes brands such as Thinx underwear. See all the feminine hygiene coupons we're finding now.
18. Postpartum Recovery Supplies
Purchases that aid in postpartum recovery — including belly wraps, hemorrhoid creams, pads, and stool softeners — are all FSA and HSA eligible.
19. Pregnancy Tests and Ovulation Monitors
Pregnancy tests can be pricey, but you can buy them with your HSA/FSA. You can buy at-home fertility tests and ovulation monitors with your funds, too. Look for deals at Target and CVS to save more (especially if you pay with your Target Circle Card or CVS ExtraBucks.)
20. Prenatal Vitamins
You can buy prenatal vitamins with your HSA funds since they, too, qualify as a medical expense. Products from brands including Vitafusion, One A Day, and Nature’s Bounty all qualify.
Baby and Child Care
21. Baby Breathing Monitors
Baby breathing monitors can bring you some peace of mind, and luckily, they qualify as an HSA/FSA expense.
22. Baby Formula (With Letter of Medical Necessity)
Worth noting: Usually, a doctor will write you a Letter of Medical Necessity (LMN) if a specific type of baby formula is required, such as a hypoallergenic or specialized formula, due to a child's medical condition.
23. Baby Rash Ointments and Cream (Desitin, Aveeno Baby)
You can buy creams for diaper rashes and other baby skincare products with your HSA or FSA funds. Brands including Cortizone, Cetaphil, Desitin, and Aveeno Baby have products that qualify.
24. Thermometers
You can use your HSA to buy all types of thermometers for babies, kids, and adults. Thermometers from brands such as Braun and Vicks are HSA- and FSA-eligible.
Digestive Health
25. Digestive Aids (TUMS, Alka-Seltzer)
Use your HSA/FSA funds to buy qualified digestive aids including TUMS, Alka-Seltzer tablets, and MiraLax solutions. Before you shop, check our site for additional savings:
26. Laxatives (Dulcolax, MiraLax)
Laxatives are also eligible for reimbursement — and you can look for Dulcolax coupons and deals to use at stores including Target and Walgreens.
Respiratory and Allergy Care
27. Cold and Flu Medicine (Theraflu, Zicam, Mucinex, Cold-EEZE)
You can charge cough drops, syrups, tablets, and other over-the-counter cold and flu meds to your HSA or FSA card. Products from Theraflu, Zicam, Mucinex, and Cold-EEZE all qualify as eligible expenses.
See the latest deals we're finding:
28. Motion Sickness Medications (Dramamine, Sea-Bands)
Your HSA/FSA works to buy motion sickness products including Dramamine, Bonnie tablets, and Sea-Bands.
29. Nasal Strips and Sprays
Can’t shake that stuffy nose? No problem. You can buy nasal strips, sprays, and aspirators with your HSA/FSA funds.
Vision and Eye Care
30. Contact Lenses, Cases, and Solutions
You’ll need a prescription to purchase contact lenses with your HSA or FSA cards, but related products such as contact lens solutions and lens cases are always eligible.
31. Eye Exams
Yes, eye exams are considered eligible expenses for your HSA or FSA funds. You can stretch your dollars by comparing costs — Costco eye exams and Sam's Club eye exams, for example, offer competitive prices.
32. Eyeglass Wipes and Repair Kits
You can buy everything you need to keep your glasses in tip-top shape with your HSA or FSA dollars. Repair kits, wipes, and cleaning sprays are all eligible purchases.
33. Prescription Sunglasses
As long as they're considered medically necessary, prescription sunglasses are considered an eligible expense.
34. Reading Glasses
Reading glasses are just one of the many eye care products that qualify as an HSA or FSA purchase. Look for deals at drugstores like Walgreens or even at the Costco Optical Center.
Sleep and Wellness
35. CPAP Machines and Supplies
If you have obstructed sleep apnea, you likely have or need a CPAP machine to help you sleep. Most CPAP products qualify as medical expenses, so you can use your HSA to buy CPAP machines and CPAP cleaning supplies as needed.
36. Sleep Aids (Unisom, ZzzQuil, Motrin PM)
Catch some more z’s with a variety of HSA- and FSA-eligible products, like Unisom SleepGels, Vicks ZzzQuil, and Motrin PM. Check our site for Vicks coupons and Motrin coupons before you shop.
37. Teeth Grinding Prevention (Mouthguards)
Think mouth guards, retainers, and denture cleaners. These products are all HSA- and FSA-eligible expenses.
Mobility and Accessibility
38. Braille Books and Magazines
You can use your HSA/FSA to buy a variety of braille books, magazines, and other reading materials, as long as they cost more than the regular printed editions.
39. Crutches, Wheelchairs, and Walkers
Purchases like these may come at a steep price, but you can use your HSA/FSA funds to pay for them. Mobility products for injuries and disabilities are qualified medical expenses, so that includes canes, crutches, wheelchairs, and walkers.
40. Depend Adult Underwear
Yes! Depend Adult Underwear and other bed-wetting aids are HSA- and FSA-eligible. Even better, you can often earn cash back on Depend with Ibotta when you shop at Walmart.
See all the current Depend coupons and offers.
41. Medical Alert Bracelets
Look for HSA- or FSA-eligible medical alert bracelets on sites like Amazon.
Hearing
42. Hearing Aids and Hearing Aid Batteries
Instead of waiting the average of five to seven years before trying on hearing aids, you can use your tax-free HSA/FSA funds for hearing aids — even at stores like Costco. Hearing aid batteries and repairs also qualify.
Foot Care
43. Foot Care and Arch Support (Dr. Scholl's Insoles, Callus Removers, Athlete's Foot Treatments)
Keep your feet healthy, clean, and pain-free with HSA-eligible foot care products. Foot rollers, Dr. Scholl’s insoles, callus removers, and athlete’s foot treatments are all qualified HSA/FSA purchases.
Oral Health
44. Canker Sore Treatments (Orajel)
Canker sores can crush your dreams for a week or so, but you can buy tons of medicated gels and treatments with your HSA/FSA, including from brands like Orajel.
45. Denture Cleaners
This also includes retainer cleaners and tablets.
Ear Care
46. Ear Drops and Wax Removal Products
Tons of earwax removal kits and cleaners are qualified HSA or FSA purchases.
Smoking Cessation
47. Nicotine Gum and Patches (Nicorette, NicoDerm)
Products that are made to help you quit smoking are also HSA- and FSA-eligible purchases. Nicorette Gum and NicoDerm patches are both qualifying products.
First Aid and Emergency Care
48. Epsom Salt
Yup! Epsom salt has a variety of health benefits, so it’s considered a qualified medical expense with your HSA/FSA.
49. First Aid Bandages and Kits (Band-Aids, Gauze Pads, Ace Bandages)
Most first aid supplies for cuts, wounds, and minor injuries qualify as medical expenses. That includes Band-Aids, gauze pads, ace bandages, deluxe first-aid kits, and more.
See all the latest Band-Aid coupons.
50. Hand Sanitizers (60%+ Alcohol)
The IRS added products that protect against COVID-19 to the list of qualified medical expenses, which means you can buy them with your HSA or FSA dollars. Keep in mind that only hand sanitizers that contain at least 60% alcohol qualify.
51. Rubbing Alcohol
Your HSA/FSA is good to use on rubbing alcohol, too. The best part? Rubbing alcohol serves multiple purposes beyond its medical benefits.
Diagnostic and Monitoring Equipment
52. Home Diagnostic Tests and Kits (Blood Pressure Monitors, Diabetes Test Kits, Personal EKGs)
Think blood pressure monitors, test kits for diabetes, and personal EKGs (like this KardiaMobile Personal EKG Monitor for $109 with an Amazon coupon). These types of at-home health products are HSA- and FSA-eligible expenses.
Items Requiring a Letter of Medical Necessity
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Air Conditioners
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Air Purifiers
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Aloe Vera
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At-Home Drug Tests
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Baby Formula
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Cocoa Butter
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Exercise Equipment
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Ergonomic Chairs
Related Reading:
*With qualifying purchase between 10/5/25 and 12/20/25 plus receive 1 entry into the sweepstakes for a chance to win a wellness getaway.
**No purchase necessary. Open to legal residents of the 50 US/DC who are at least eighteen (18) years of age or older and at least the age of majority in their jurisdiction of residence (19 in AL and NE). Void where prohibited. Begins 10/5/25, 12:01 AM PT; ends 12/20/25, 11:59 PM PT. To enter without making a purchase, visit healthyrewards.entertowinprizes.com . See official rules at www.activaterewards.com/healthyrewards for prizing, odds, and details. Sponsor: Chattem Inc., 1715 W 38th St., Chattanooga, TN 37409
While supplies last. No manual reproductions of receipts will be accepted. One reward per receipt submission. Must be a resident of the U.S. Reward must be chosen and activated by 1/31/26. Limit 2 rewards (any combination) per household. Offer valid only in the U.S., excluding US territories, and void where prohibited. Limits and restrictions apply. See www.activaterewards.com/healthyrewards for full details, reward options, and participating products. Fandango Loyalty Solutions, LLC is not a sponsor or co-sponsor of this offer.
