Can I Buy Sunscreen with My HSA? A Guide to Using Your HSA for Sun Protection

One common question that many HSA account holders have is whether they can use their HSA funds to purchase sunscreen. The short answer is yes, you can use your HSA to buy sunscreen, but there are some specifics you need to keep in mind.

As per IRS guidelines, sunscreen is considered a qualified medical expense when it has a sun protection factor (SPF) of 15 or higher. This means that you can purchase both sunscreen lotions and sprays with your HSA funds as long as they meet this criterion.

So, next time you are shopping for sunscreen, remember that:

• You can use your HSA funds to buy sunscreen with SPF 15 or higher.
• Keep your receipts for HSA documentation in case of an audit.
• Ensure the sunscreen purchase is for medical use to qualify under HSA regulations.

By taking advantage of using your HSA for sunscreen purchases, you not only protect your skin from harmful sun rays but also maximize the benefits of your HSA account.

Great news for HSA account holders: you can indeed use your HSA funds to purchase sunscreen! Just keep in mind the key regulations set by the IRS.