No, toothbrushes are not eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA) because they are considered general health products.
Why Are Toothbrushes Not FSA/HSA Eligible?
Toothbrushes are not eligible for reimbursement through a Flexible Spending Account (FSA) or Health Savings Account (HSA) because they are considered general personal hygiene items rather than medical necessities. According to IRS guidelines and SIGIS standards, FSA and HSA funds can only be used for products that serve a specific medical purpose, such as diagnosing, treating, or managing a medical condition.
Toothbrushes, even those marketed as advanced or electric, are primarily intended for routine oral hygiene and prevention, not the treatment of a medical condition. This aligns with the SIGIS guidelines, which exclude products used for general health or cosmetic purposes from FSA/HSA eligibility. The IRS also specifies that expenses must pass the "but for" test, meaning the product would not have been purchased "but for" the medical condition. Toothbrushes fail this test, as they are a standard part of daily care regardless of medical necessity.
Even if a dentist recommends a specific toothbrush or toothpaste to address a dental concern like gingivitis or periodontal disease, it is still considered a general health item. Products in this category are similar to other personal care items like soap or shampoo, which are not eligible for reimbursement under FSA/HSA rules.
