Sport sunscreen
Sport sunscreen is eligible for HSA, FSA, and HRA accounts as it is considered a qualified medical expense for protecting against sun damage.
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 a qualified medical expense because it protects against sun damage, which can lead to skin cancer and other medical conditions. The CARES Act clarified that over-the-counter medicines and drugs, including sunscreen, are eligible without a prescription.
When It Qualifies
- •Must be primarily for sun protection (e.g., SPF 15 or higher).
When It Doesn't
- •Products where sun protection is incidental to a cosmetic purpose (e.g., makeup with SPF) may not be eligible unless the primary purpose is medical care.
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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 can vary. Keep detailed records and receipts for all purchases.