FSA / HSA Eligibility List (Products + Services)
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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 & HSA Approved Products
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.
A
- Acne Treatments
- Allergy Medicine
- Antacids & Acid Controllers
- Anti-Fungal Treatments
- Anti-Itch Treatments
- Antiparisitic & Lice Treatments
- Aspirin & Baby Aspirin
- Athletic Braces & Supports
B
- Baby Breathing/Movement Monitors
- Baby Sunscreen
- Bandages
- Blood Glucose Monitors & Test Strips
- Blood Pressure Monitors
- Breast Pumps & Accessories
C
- Children's First Aid
- Children's Sunscreen
- Condoms
- Contact Lens Solution
- Corn & Callus Removers
- Cough Drops & Spray
- Cough, Cold & Flu Medicine
D
- Denture Cream & Cleansers
- Diabetes Care Accessories
- Diaper Rash Cream
- Ear Drops & Wax Removers
- External Pain Relievers
E
F
G
H
I
J
K
- Kenisiology Tape
- Ketone Test Strips
FSA & HSA Approved Services
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.
A
- AA Meetings
- Acupuncture
- Adopted Child's Medical Care
- Airfare (for Medical Treatments)
- Alcoholism Treatment
- Allergy Testing
- Ambulance Charges
- Anesthesia
B
- Braces (Dental)
- Breastfeeding Classes
C
- Cancer Screenings
- Canker Sore Treatment
- Cataract Surgery
- Chelation
- Chiropractic Care
- Circumcision
- Co-insurance (Medical, Dental, Vision, Rx)
- Co-payments (Medical, Dental, Vision, Rx)
- Corneal keratotomy
- Counseling for Medical Condition
- Cryotherapy
D
- Deductibles (Medical, Dental, Vision, Rx)
- Dentures
- Dental Implants
- Diagnostic Services
- Doula (medical-related care)
- Drug Addiction Therapy
- Drug Sensitivity Testing
- Dry Needling
- Dyslexia Therapy
E
- Emergency Room Visits
- Eye Exams
- Eye Surgery
F
- Flu Shots
- Fluoridation Services
- Food Sensitivity Testing
- FSA Approved Services List
G
- Gender Affirmation Counseling & Surgery
- Genetic Testing
- Guide Dog Expenses
H
- Health Screenings
- Heart Disease Screenings
- Home Health Care
- Hospital Fees
- Hysterectomy
I
- Immunizations
- Infertility Treatments
J
K
L
- Lab Test Fees
- Lamaze Classes
- Laser Eye Surgery
- Lasik
- Legal Abortion
- Lodging for Medical Care
M
- Mammogram
- Meals at a hospital
- Midwife Services
- Mileage to and from a medical service
- Mole, cyst or tumor removal
- Mother's Childbirth Classes
- MRI
N
- Norplant insertion or removal
- Nursing Services
O
- OB/GYN Fees
- Occupational Therapy (Medical)
- Oncologist
- Online Medical Consultations
- Operation (Medical)
- Optometrist
- Ophthalmologist
- Organ Donation and Transplant
- Orthodontist
- Osteopath Costs
P
- Phototherapy
- Physical Exams
- Physical Therapy (Rehab) Visits
- Prosthesis
- Psychiatric Care
- Psychoanalysis
- Psychologist Fees
Q
R
- Radial Keratotomy Correction
- Refraction Exam
- Rental Costs for Medical Equipment
S
- Sales Tax, Shipping Fees (for approved expenses)
- Sleep Deprivation Therapy
- Somnoplasty
- Snoreplasty
- Speech Therapy
- Sterilization
- Stop Smoking Programs
- Substance Abuse Therapy
- Surgery
T
- Taxes on Approved Expenses
- Telemedicine
- Transplants
- Travel Expenses for Medical Care
U
- Ultrasound (Medical)
V
- Vaccinations
- Vasectomy
- Viagra
- Vision Screenings
W
- Wisdom Teeth Removal
X
- X-Rays
Y
Z
Expenses not approved with FSA and HSA
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).
A
- Abdominoplasty
- Airfare
- Air Purifiers
- Aromatherapy
- Assisted Living Costs
- Athletic Compression
- Autopsy
B
- Baby Diapers
- Baby Formula
- Baby Powder
- Beauty Products
- Blood Type Testing
- Blue Light Blocking Glasses
- Bug Spray
- Botox
C
- Caffeine Supplements
- Car Seats
- Clothing
- Cosmetic Procedures
- CPR Training
D
- Dandruff Treatment
- Dehumidifiers
- Dental Floss
- Deodorant
- Diet Programs
- Dietary Supplements
- Daycare
E
- Ear Plugs
- Energy Drinks
- Exercise Classes
- Exercise Equipment
F
- Face Lifts
- Fitbit and Step Trackers
- Funeral Expenses
G
- Gym Memberships
H
- Hair Growth Products
- Hair Dyes
- Hair Removal
- Hair Transplants
- Hand Lotions
- Humidifiers
I
- Insurance Premiums (FSA-only)
J
K
L
- Laser Hair Removal
- Late Payment Fees
- Lotions (Body/Face)
M
- Makeup
- Marijuana
- Massages
- Maternity Clothing
- Mattresses (bedding)
- Medicare Premiums
- Moisturizer
- Mouthwash
N
- Nursing Home
O
P
- Potty Training
- Preschool
- Probiotics and Preobiotics
- Protein Bars
Q
- Q-tips (Cotton Swabs)
R
S
- Scar Treatments
- Shampoo and Conditioner
- Skin Moisturizer
- Soap
- Sugar Substitutes
- Sun Tanning (Services and Oils)
- Surrogate Expenses
T
- Teeth Whitening
- Toilet Paper
- Toothbrush (electric)
- Toothpaste
U
V
- Veneers
- Veterinarian
- Vitamins (see Exceptions)
W
- Warranties (on products)
- Waterpik
- Weight Loss Products
- Weight Scales
X
Y
- Yoga
Z
- Zinc
Important Note on Letters of Medical Necessity (LMN) and FSA Eligibility
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.
Trending FSA-approved Products
FAQ
What is the FSA Products & Services Eligibility List?
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.
Who determines FSA and HSA eligibility?
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.
Is there a difference between FSA and HSA eligible expenses?
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.
What is the difference between "FSA-approved" and "Requires Letter of Medical Necessity"?
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.
