FSA / HSA Eligibility List (Products + Services)
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Time to read 5 min
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Time to read 5 min
There are thousands of qualified expenses on the FSA & HSA Eligibility List. Browse and search below for the comprehensive eligibility list for FSA and HSA spending.
FSA and HSA-approved product eligibility is identical and can be purchased with an FSA or HSA card at any retailer that accepts FSA/HSA cards.
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The list below includes medical services that can be purchased with an FSA or HSA card, but note that these often require an accompanying receipt and/or additional documentation to provide proof of FSA/HSA eligibility post-purchase.
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General health products and products that have multiple uses (dual purpose) are not covered with FSAs and HSAs. Certain ineligible expenses may qualify for FSA reimbursement if accompanied with a doctor-provided letter of medical necessity (see FAQ below).
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BuyFSA defines “FSA-approved expenses” as those where an FSA Card can transact the expense without the need for further documentation.
Ineligible expenses may be approved with a doctor's note if there is a medical need. However, every FSA administrator has different auditing rules that often complicate the process for reimbursement.
BuyFSA only lists guaranteed FSA-approved products and services that do not require additional LMN documentation.
This is a comprehensive list of qualified medical expenses that was originally sourced from IRS Guidelines. The specific categorizations are accepted reimburseable expenses outlined by major FSA and HSA benefits administrators and the private industry group that oversees FSA/HSA approved expenses.
The IRS sets the standard guidelines for tax-free medical expenses. These guidelines are revisited from time to time and updated accordingly on the BuyFSA FSA Eligibility List.
For products, no. All FSA products can also be considered HSA products. Both FSA and HSA products can be purchased on BuyFSA. When it comes to services, the predominant difference is that HSAs may cover insurance premiums while FSAs do not.
FSA-approved products are items that you can purchase with an FSA card without any other documentation. These purchases often do not require a receipt when purchased from an FSA retailer such as BuyFSA. Items that require a Letter of Medical Necessity are actually ineligible expenses where an exception is made based on medical need. This medical need is determined between you and your doctor at which point you can receive a letter of medical necessity as proof and substantation for your FSA reimbursement claim.