Cough drops
Cough drops are eligible for HSA, FSA, and HRA plans.
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 IRS considers over-the-counter (OTC) medicines and drugs, such as cough drops, as qualified medical expenses when used for the diagnosis, cure, mitigation, treatment, or prevention of disease. The CARES Act of 2020 removed the requirement for a prescription for these items, making them directly eligible.
When It Qualifies
- •Must be used for medical care, such as treating a cough, sore throat, or other cold/flu symptoms.
When It Doesn't
- •Not eligible if used for general health, cosmetic purposes, or simply for refreshment without a medical purpose.
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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, always check with your specific plan administrator as individual plan rules may vary. Keep all receipts for your records.