Instant cold pack
Instant cold packs are eligible for HSA, FSA, and HRA accounts as they are considered over-the-counter medical supplies used for treating injuries and pain.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS considers amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body, to be medical expenses. Instant cold packs are over-the-counter medical supplies used for immediate treatment of injuries, reducing swelling, and alleviating pain, which falls under the scope of qualified medical expenses. The CARES Act of 2020 clarified that over-the-counter medical products are eligible without a prescription.
When It Qualifies
- •The instant cold pack must be used for medical care, such as treating an injury, pain, or swelling.
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 generally eligible, it's always best to confirm with your specific plan administrator as individual plan rules can vary. Always retain your receipts for tax and substantiation purposes. This information is for educational purposes only and not tax or legal advice.