Saline solution
Saline solution is eligible for HSA, FSA, and HRA as an over-the-counter medical expense when used for medical purposes.
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 diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body, as medical expenses. Saline solution, when used for medical purposes such as contact lens care, wound irrigation, or nasal rinsing, falls into this category. The CARES Act of 2020 made over-the-counter medicines and drugs, including saline solutions for medical use, eligible for these accounts without a prescription.
When It Qualifies
- •Must be used for a medical purpose (e.g., contact lens care, wound care, nasal irrigation).
When It Doesn't
- •Not eligible if used for general health or cosmetic purposes.
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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 generally eligible, specific plan administrators may have unique requirements. Always retain your receipts for substantiation. This information is for educational purposes and not tax or legal advice.