Water resistant sunscreen
Water resistant sunscreen is eligible for HSA, FSA, and HRA reimbursement, provided it has a Sun Protection Factor (SPF) of 15 or greater.
Eligibility Matrix
Eligibility status for all account types
| Account Type | Status |
|---|---|
| HSA | Eligible |
| FSA | Eligible |
| HRA | Eligible |
Requirements
The sunscreen must have a Sun Protection Factor (SPF) of 15 or greater to be considered a qualified medical expense for preventing sunburn or other harmful effects of the sun.
Quick Reference
The IRS considers amounts paid for sunscreen to be medical expenses if the sunscreen is used to prevent sunburn or other harmful effects of the sun. This includes water resistant formulations, as long as they meet the specified SPF requirement.
When It Qualifies
- •The sunscreen must have a Sun Protection Factor (SPF) of 15 or greater.
- •It must be used to prevent sunburn or other harmful effects of the sun.
When It Doesn't
- •Sunscreen with an SPF less than 15 is not eligible.
- •Sunscreen used purely for cosmetic purposes, without a medical preventative intent, is not eligible.
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
While the IRS determines general eligibility, specific plan administrators may have their own substantiation requirements. Always keep detailed receipts and check with your plan administrator for confirmation. This information is for educational purposes only and not tax or legal advice.