Yes, shoe insoles and inserts are eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when they are designed to treat a specific medical condition such as plantar fasciitis, flat feet, overpronation, arthritis, or foot pain.
Why Are Some Shoe Insoles and Inserts FSA/HSA Eligible?
Shoe insoles and inserts qualify as eligible medical expenses under IRS Code Section 213(d) when they are used to treat a medical condition such as plantar fasciitis, flat feet, overpronation, arthritis, or foot pain. Eligible products must be designed for orthopedic or therapeutic use—not for general comfort or athletic performance.
According to the SIGIS Eligible Product List Criteria, shoe inserts are eligible when marketed for medical use or when prescribed by a healthcare provider to treat a specific condition.
FSA- and HSA-eligible insoles and inserts include:
Orthotic shoe inserts for plantar fasciitis or arch support
Diabetic shoe inserts
Heel cups, cushions, or pads designed to treat heel spurs or pain
Insoles recommended for arthritis or metatarsalgia
Custom-molded orthotics (with or without a prescription)
Gel or foam supports labeled for therapeutic use
These products are eligible when they are marketed to support foot health, alleviate pain, or manage a condition—not simply to improve comfort.
What’s Not Covered?
Insoles or inserts sold for comfort, performance, or cosmetic purposes are not eligible. This includes:
Athletic insoles marketed for running or shock absorption only
Massaging or scented gel insoles
Fashion or dress shoe pads for added cushion or height
General-purpose inserts without a therapeutic or orthopedic claim
To qualify, the product must indicate a medical or orthopedic purpose and not be marketed solely for comfort or lifestyle enhancement.
How to Buy Shoe Insoles and Inserts with Your FSA or HSA
You can purchase eligible Powerstep shoe insoles directly at buyFSA.com using your FSA or HSA card. Every item listed on buyFSA.com is verified as 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 language such as “orthotic,” “therapeutic,” or “medical support” on the packaging
Save your receipt in case your plan administrator requests documentation
Avoid insoles sold only for comfort, performance, or cosmetic reasons
For more details, refer to the SIGIS Eligible Product List Criteria.
