Mineral sunscreen
Mineral sunscreen is eligible for HSA, FSA, and HRA accounts as it is considered a qualified medical expense for protecting against sun damage.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS considers sunscreen a qualified medical expense because it is used to prevent sun damage to the skin, which can lead to conditions like sunburn and skin cancer. This aligns with the definition of medical care, which includes amounts paid for the prevention or alleviation of a physical or mental defect or illness.
When It Qualifies
- •The sunscreen must be used primarily for medical care, such as protecting against sun damage and preventing skin cancer.
When It Doesn't
- •Sunscreen that is primarily for cosmetic purposes without a clear medical benefit may not be eligible.
- •Products that combine sunscreen with other non-medical ingredients (e.g., makeup with SPF) may only be eligible for the portion attributable to the sunscreen, if separable.
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Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While the IRS determines general eligibility, specific plan administrators may have their own substantiation requirements. Always retain your receipts and check with your plan administrator for confirmation. This information is for educational purposes only and not tax or legal advice.