Is Sunscreen an HSA Eligible Expense? Exploring the Benefits and Guidelines

When it comes to protecting your skin from the sun's harmful UV rays, sunscreen is a crucial tool in your skincare routine. But the big question for those with Health Savings Accounts (HSAs) is whether sunscreen is considered an eligible expense that can be paid for using HSA funds.

Under the IRS guidelines, sunscreen is generally not considered an eligible expense for reimbursement from an HSA unless it is prescribed by a medical professional for a specific medical condition. This means that over-the-counter sunscreen products purchased for general skin protection are typically not covered.

However, there are certain cases where sunscreen may be considered an eligible expense under HSA guidelines:

• If the sunscreen is prescribed by a healthcare provider to treat a specific skin condition or to prevent skin cancer
• If the sunscreen has a sun protection factor (SPF) of 30 or higher and is used primarily for sunburn prevention

It's important to note that it's always best to consult with your healthcare provider or tax advisor to understand the specific guidelines and rules surrounding HSA expenses in relation to sunscreen.

Sunscreen is an essential product for anyone looking to safeguard their skin against UV damage, but many people wonder if they can use their Health Savings Account (HSA) funds to purchase it. The good news is that there are specific cases where you can!