Sunscreen SPF 15
Yes, sunscreen with SPF 15 is eligible for HSA, FSA, and HRA accounts.
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 amounts paid for over-the-counter medicines and drugs as qualified medical expenses. Sunscreen is regulated as an over-the-counter drug by the Food and Drug Administration (FDA), making it eligible for reimbursement from health spending accounts without a prescription, as per the CARES Act.
When It Qualifies
- •The product must be an over-the-counter sunscreen.
When It Doesn't
- •Products marketed solely for cosmetic purposes without sun protection benefits.
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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 your receipts and check with your plan administrator for confirmation. This information is not tax or legal advice.