Sunblock
Sunblock (sunscreen) is eligible for HSA, FSA, and HRA if it has a Sun Protection Factor (SPF) of 15 or higher.
Eligible with Requirements 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 an SPF of 15 or higher to be a qualified medical expense. It is eligible because it is used to prevent sun damage to the skin, which is considered a medical condition.
When It Qualifies
- •Must have a Sun Protection Factor (SPF) of 15 or higher.
When It Doesn't
- •Sunscreen with an SPF lower than 15.
- •Products primarily for cosmetic purposes, even if they contain some SPF.
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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 keep detailed receipts for your records. This information is for educational purposes only and not tax or legal advice.