Kids sunscreen
Kids sunscreen with an SPF of 15 or greater is eligible for HSA, FSA, and HRA reimbursement.
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 sunscreen with a sun protection factor (SPF) of 15 or greater to be a qualified medical expense. This is because it is used to prevent sunburn and protect against the harmful effects of the sun, such as skin cancer. As an over-the-counter medical product, it does not require a prescription.
When It Qualifies
- •Must have a Sun Protection Factor (SPF) of 15 or greater.
- •Must be used to prevent sunburn or protect against the harmful effects of the sun.
When It Doesn't
- •Sunscreen with an SPF less than 15 is not eligible.
- •Cosmetic sunscreens that do not primarily serve a protective medical purpose may not be 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 this information is based on IRS guidelines, individual plan administrators may have specific requirements. Always retain your receipts and check with your plan administrator for confirmation. This information is for educational purposes only and not tax or legal advice.