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Xyzal

Xyzal, an over-the-counter (OTC) allergy medication, is 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

The IRS considers medicines and drugs purchased for medical care to be qualified medical expenses. Following the CARES Act of 2020, over-the-counter (OTC) medicines, including allergy medications like Xyzal, no longer require a prescription to be eligible for reimbursement from HSAs, FSAs, and HRAs.

When It Qualifies

  • The expense must be for medical care, meaning it is used to diagnose, cure, mitigate, treat, or prevent disease, or for the purpose of affecting any structure or function of the body.
  • The product must be an over-the-counter medicine or drug.

When It Doesn't

  • Expenses for general health or cosmetic purposes 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 Xyzal is generally eligible, always check with your specific plan administrator as individual plan rules can vary. Keep all receipts for your records in case substantiation is required. This information is for educational purposes only and not tax or legal advice.