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OXY

OXY products, which are over-the-counter (OTC) acne treatments, are eligible for HSA, FSA, and HRA reimbursement.

Eligible for HSA, FSA, HRAhigh confidence

Eligibility Matrix

Eligibility status for all account types

Account TypeStatus
HSAEligible
FSAEligible
HRAEligible

Quick Reference

Over-the-counter (OTC) medicines, including those for treating acne like OXY products, are considered qualified medical expenses. The CARES Act of 2020 removed the requirement for a prescription for OTC medicines to be eligible for HSA, FSA, and HRA reimbursement.

When It Qualifies

  • The expense must be for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body. In this case, it must be for treating acne or a similar skin condition.

When It Doesn't

  • Expenses solely for cosmetic purposes are not eligible. If the product is used for general skin care without a specific medical condition, it may not be eligible.

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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 this information is based on IRS rules, individual plan administrators may have specific requirements. Always keep detailed receipts for all purchases. This information is for educational purposes only and not tax or legal advice.