Coppertone
Coppertone sunscreen with an SPF of 15 or higher and broad-spectrum protection is eligible for HSA, FSA, and HRA.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
Sunscreen is considered an eligible medical expense because it protects against sun damage, including skin cancer and premature aging. The IRS allows expenses for items that prevent or alleviate a physical or mental defect or illness. Since the CARES Act, over-the-counter medicines and drugs, including qualifying sunscreens, no longer require a prescription to be eligible.
When It Qualifies
- •Must have an SPF (Sun Protection Factor) of 15 or higher.
- •Must provide broad-spectrum protection against UVA and UVB rays.
When It Doesn't
- •Sunscreen with an SPF lower than 15.
- •Sunscreen that does not offer broad-spectrum protection.
- •Cosmetic products primarily for tanning or moisturizing without adequate sun protection.
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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.