Can I Use HSA for Sunscreen? - Understanding HSA Eligible Expenses

Are you wondering if you can use your HSA funds to purchase sunscreen? Let's explore the guidelines around using your HSA for sunscreen and other eligible expenses.

A Health Savings Account (HSA) is a tax-advantaged account that allows individuals to save and pay for qualified medical expenses. While sunscreen is essential for protecting your skin from harmful UV rays, the eligibility of using HSA funds for sunscreen purchase can be a bit tricky.

Generally, sunscreen falls under the category of over-the-counter (OTC) medications and supplies, which were previously eligible for HSA funds without a prescription. However, due to changes in legislation, as of January 1, 2020, sunscreen is considered an eligible expense only if prescribed by a healthcare provider for medical reasons.

Therefore, if your healthcare provider prescribes sunscreen for a specific medical condition like a skin sensitivity or post-operative care, you can use your HSA funds to purchase it. It's essential to keep a copy of the prescription and the receipt for reimbursement purposes.

Have you ever found yourself asking, 'Can I use my HSA for sunscreen?' You're not alone! Many people are curious about utilizing their Health Savings Account to cover skincare essentials. Let's dive into the rules surrounding this topic.