Yes, cold packs are eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Cold Packs FSA/HSA Eligible?
Cold packs are used to reduce inflammation, swelling, and pain associated with injuries, post-surgical recovery, arthritis, and other medical conditions. Because they are designed to treat specific physical ailments, cold packs qualify as eligible medical expenses under IRS Code Section 213(d).
According to the SIGIS Eligible Product List Criteria, hot and cold therapy packs used for medical treatment are FSA- and HSA-eligible.
FSA- and HSA-eligible cold therapy products include:
Reusable gel cold packs
Instant cold packs for injury response
Cold compresses designed for specific areas (e.g., knee, shoulder, back)
Wraparound cold therapy kits
Combination hot/cold therapy packs
These products are eligible when used for therapeutic purposes, such as treating sprains, strains, inflammation, or post-operative pain.
What’s Not Covered?
Cold packs or accessories marketed purely for comfort, beauty, or cosmetic use do not qualify. This includes:
Gel eye masks marketed for relaxation or puffiness
Cosmetic cold rollers or spa masks
Cold compresses with aromatherapy or scented features for general pampering
To qualify, the product must be labeled and marketed for use in treating a medical condition, not for cosmetic or personal comfort.
How to Buy Cold Packs with Your FSA or HSA
You can purchase cold packs 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)
Choose products clearly labeled for injury recovery or pain relief
Save your receipt in case your plan administrator requests documentation
Avoid items designed for cosmetic or non-medical use
For more details, visit the SIGIS Eligible Product List Criteria.
