Cold medicine
Cold medicine is eligible for HSA, FSA, and HRA reimbursement as it is considered an over-the-counter (OTC) medicine used for medical care.
Eligible for HSA, FSA, HRAhigh confidence
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The CARES Act of 2020 expanded the definition of qualified medical expenses to include over-the-counter medicines and drugs without the need for a prescription. Cold medicine falls under this category, making it a reimbursable expense for treating a medical condition.
When It Qualifies
- •The cold medicine must be used to alleviate or treat a cold or other illness.
- •It must not be for general health or cosmetic purposes.
When It Doesn't
- •Cold medicine purchased for general wellness without a specific medical condition.
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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.