OTC Pain Relievers
Over-the-counter (OTC) pain relievers are eligible for HSA, FSA, and HRA reimbursement.
Eligible for HSA, FSA, HRAhigh confidence
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The CARES Act of 2020 expanded the definition of qualified medical expenses to include over-the-counter medicines and drugs without the need for a prescription. This means that common OTC pain relievers are now eligible for reimbursement from your health spending accounts.
When It Qualifies
- •Must be used for medical care to alleviate or prevent a physical or mental defect or illness.
When It Doesn't
- •Not eligible if used for general health, cosmetic purposes, or for conditions that are not medical in nature.
Similar Items
Official Source
CARES Act
Sec. 3702. OTC Medical Products
View on IRS.gov
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
While generally eligible, specific plan administrators may have their own substantiation requirements. Always retain your receipts for tax purposes and to provide proof of purchase to your plan administrator. This information is for educational purposes only and not tax or legal advice.