Can You Buy Prescription Sunglasses with an HSA?

If you're wondering whether you can use your HSA to purchase prescription sunglasses, you're not alone. Prescription sunglasses are a great investment for those who require vision correction and want to protect their eyes from the sun's harmful rays. Let's explore the guidelines surrounding the use of HSA funds for prescription sunglasses.

When it comes to using your HSA, the IRS has specific rules about what is considered a qualified medical expense. While prescription glasses and contact lenses are generally considered eligible expenses, prescription sunglasses fall into a bit of a gray area.

According to IRS Publication 502, you can use your HSA funds to pay for prescription sunglasses if they are prescribed to treat a specific medical condition, such as light sensitivity or an eye disorder aggravated by sunlight. In this case, the prescription sunglasses would be considered a qualified medical expense.

However, if you simply want prescription sunglasses for convenience or to improve your vision outdoors, without a specific medical need, they may not be considered an eligible expense. It's essential to have a prescription from a qualified eye care professional stating the medical necessity for the sunglasses to use your HSA funds.

As with any HSA expense, it's crucial to keep detailed records and receipts to substantiate the medical necessity of the purchase should you be audited by the IRS. Always consult with your tax advisor or HSA administrator if you have any questions about using your HSA funds for prescription sunglasses.

If you're curious about whether your HSA can cover the cost of prescription sunglasses, you're definitely not alone. Prescription sunglasses are not only a great way to improve your vision but also to shield your eyes from the sun's UV rays. However, understanding the IRS guidelines on HSA reimbursements for these purchases can be a bit tricky.