SPF chapstick
SPF chapstick is eligible for HSA, FSA, and HRA accounts because the sun protection factor (SPF) is considered a preventative measure against sun damage and skin cancer.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Quick Reference
The IRS defines medical care expenses as amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease. Products containing Sun Protection Factor (SPF) are considered preventative measures against sun damage, which can lead to skin cancer and other medical conditions. Therefore, the SPF component of the chapstick qualifies it as a medical expense.
When It Qualifies
- •The product must contain SPF for sun protection.
When It Doesn't
- •Chapstick without SPF is generally not eligible.
- •Products primarily for cosmetic purposes are not eligible.
Similar Items
Official Source
IRS Publication 502
What Are Medical Expenses?
View on IRS.gov
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 and consult with your plan administrator for definitive eligibility.