SPF moisturizer
SPF moisturizer is eligible for HSA, FSA, and HRA because the SPF component helps prevent skin cancer.
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 allows expenses paid for the diagnosis, cure, mitigation, treatment, or prevention of disease as qualified medical expenses. Products containing SPF are considered preventative measures against sun damage and skin cancer, thus falling under the 'prevention of disease' category.
When It Qualifies
- •The product must contain SPF for sun protection.
- •While not explicitly stated by the IRS, many administrators consider products with an SPF of 15 or higher to be eligible.
When It Doesn't
- •Moisturizers without SPF are generally not eligible.
- •Products primarily for cosmetic purposes are not eligible.
Similar Items
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
Eligibility can vary by plan administrator. Always retain your receipts for substantiation. This information is for educational purposes and not tax or legal advice.