Sunscreen
Sunscreen with an SPF of 15 or higher and broad-spectrum protection 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 an SPF of 15 or higher and broad-spectrum protection to be a qualified medical expense. This is because it is used to prevent sun damage and reduce the risk of skin cancer, which are medical conditions.
When It Qualifies
- •Must have an SPF (Sun Protection Factor) of 15 or higher.
- •Must provide broad-spectrum protection (protects against both UVA and UVB rays).
When It Doesn't
- •Sunscreen primarily used for cosmetic purposes or tanning, without meeting the SPF 15+ and broad-spectrum criteria, is not 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 check with your plan administrator for confirmation. Keep all receipts and documentation for your records. This information is for educational purposes only and does not constitute tax or legal advice.