Saline nasal spray
Saline nasal spray is eligible for HSA, FSA, and HRA reimbursement as an over-the-counter medicine.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS considers medicines and drugs to be qualified medical expenses. Following the CARES Act of 2020, over-the-counter (OTC) medicines and drugs, including saline nasal spray, no longer require a prescription to be eligible for reimbursement from health spending accounts. Saline nasal spray is used to treat or alleviate medical conditions such as nasal congestion, dryness, or irritation.
When It Qualifies
- •The saline nasal spray must be used for medical care, which includes the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body.
When It Doesn't
- •Expenses for general health or cosmetic purposes are not eligible.
Similar Items
Official Source
IRS Publication 502 (2024)
Medicines and drugs
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 and reimbursement purposes. This information is for educational purposes only and not tax or legal advice.