Are Panty Liners HSA Eligible? Everything You Need to Know

When it comes to health savings accounts (HSAs), many people wonder about what items are considered eligible expenses. One common question that arises is whether panty liners are HSA eligible. Let's dive into the details to find out!

Panty liners are thin pads worn inside underwear to absorb light menstrual flow, vaginal discharge, or for freshness and cleanliness. They are not typically considered medically necessary, so they may not be eligible for reimbursement through an HSA.

However, there are exceptions to this rule. If a healthcare provider prescribes panty liners for a specific medical condition, such as urinary incontinence or postpartum care, they may be considered HSA eligible. In this case, you would need a Letter of Medical Necessity (LMN) from your healthcare provider to submit along with your HSA claim.

It's important to note that HSA eligible expenses are determined by the Internal Revenue Service (IRS) and may be subject to change. To be certain whether panty liners are HSA eligible in your situation, it's recommended to consult with a tax professional or your HSA provider.


When navigating health savings accounts (HSAs), it's common to have questions about what purchases qualify as eligible expenses. A frequently asked question is whether panty liners can be reimbursed. Let's explore this topic together!

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