Yes, anti-fungal treatments are eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Anti-Fungal Treatments FSA/HSA Eligible?
Anti-fungal treatments are used to diagnose, treat, or manage fungal infections such as athlete’s foot, jock itch, ringworm, yeast infections, and fungal nail infections. These are considered qualified medical conditions under IRS Code Section 213(d), and products used to treat them are eligible medical expenses.
Thanks to the CARES Act of 2020, over-the-counter (OTC) anti-fungal medications are now eligible for reimbursement without a prescription. This includes creams, sprays, powders, ointments, and oral treatments used to relieve or eliminate fungal infections.
Common FSA- and HSA-eligible anti-fungal products include:
Clotrimazole (e.g., Lotrimin®)
Miconazole (e.g., Monistat®)
Terbinafine (e.g., Lamisil®)
Tolnaftate (e.g., Tinactin®)
Antifungal powders and sprays for feet or skin
These products are used to treat specific, diagnosable conditions and are therefore eligible for FSA and HSA reimbursement.
What’s Not Covered?
Anti-fungal products that are not used to treat a medical condition may not qualify. For example, general skincare or body powders with antifungal properties—but no specific treatment claims—may be considered cosmetic or preventive and are not eligible.
Combination products that include anti-fungal ingredients alongside unapproved or cosmetic ingredients (such as moisturizers or deodorants) may also be ineligible unless clearly labeled and marketed as treatment for a medical condition.
How to Buy Anti-Fungal Treatments with Your FSA or HSA
You can purchase anti-fungal treatments directly at buyFSA.com using your FSA or HSA card. Every item listed on buyFSA.com is FSA- and HSA-eligible, so there’s no guesswork or reimbursement hassle.
If purchasing elsewhere:
Use your FSA or HSA card at checkout (in-store or online)
Look for products labeled “FSA/HSA eligible”
Save your receipt in case your administrator requires supporting documentation
Confirm the product is marketed for the treatment of a medical condition (e.g., athlete’s foot, yeast infection, ringworm)
