SPF lip balm
SPF lip balm is eligible for HSA, FSA, and HRA as an over-the-counter medicine that helps prevent sun damage and skin cancer.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS considers expenses for the prevention of disease as qualified medical expenses. SPF lip balm contains sunscreen, which is an over-the-counter (OTC) drug regulated by the FDA to protect against harmful UV radiation and prevent sun damage and skin cancer. The CARES Act (2020) made OTC medicines and drugs eligible for tax-advantaged health accounts without a prescription.
When It Qualifies
- •The product must contain SPF for sun protection.
When It Doesn't
- •Lip balms without SPF are not eligible.
- •Products primarily for cosmetic purposes where SPF is not the main medical benefit are not 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 guidelines, individual plan administrators may have specific rules. Always retain your receipts for substantiation. This information is for educational purposes only and not tax or legal advice.