Sunscreen lotion
Sunscreen lotion with an SPF of 15 or higher and broad-spectrum protection (UVA/UVB) 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 because it is used to prevent sun damage and reduce the risk of skin cancer. This falls under the category of expenses for the prevention or alleviation of a disease.
When It Qualifies
- •Must have an SPF (Sun Protection Factor) of 15 or higher.
- •Must provide broad-spectrum protection (against both UVA and UVB rays).
When It Doesn't
- •Sunscreen with an SPF lower than 15.
- •Sunscreen that does not offer broad-spectrum protection.
- •Products primarily for cosmetic purposes, such as tanning lotions without adequate sun protection.
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, specific plan administrators may have their own substantiation requirements. Always retain your receipts and check with your plan administrator for confirmation. This information is for educational purposes only and not tax or legal advice.