Sunscreen stick
Sunscreen sticks are eligible for HSA, FSA, and HRA if they have a Sun Protection Factor (SPF) of 15 or higher.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
While generally eligible, HRA plans are employer-funded and may have specific limitations or requirements. Always confirm with your plan administrator.
Quick Reference
The IRS considers sunscreen a qualified medical expense when it is used to prevent sun damage to the skin. The CARES Act of 2020 made over-the-counter (OTC) medicines and drugs, including sunscreen, eligible without a prescription.
When It Qualifies
- •The sunscreen 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 or tanning without adequate SPF protection.
Similar Items
Official Source
IRS Publication 502 (2024)
Sunscreen
View on IRS.gov
Important Notice
- •Your specific plan may have different rules
- •Keep all receipts and documentation
- •This is informational only, not tax or legal advice
This information is for educational purposes only and not tax or legal advice. Always consult with a qualified professional for personalized guidance. Plan details can vary, so confirm eligibility with your specific benefits administrator.