Yes, wart removal products are eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Wart Removal Products FSA/HSA Eligible?
Wart removal treatments are used to eliminate warts caused by the human papillomavirus (HPV), which is considered a diagnosable medical condition. Because these products are used to treat a specific health issue and contain active medicinal ingredients, they qualify as eligible medical expenses under IRS Code Section 213(d).
According to the SIGIS Eligible Product List Criteria, over-the-counter wart removal treatments are FSA- and HSA-eligible without a prescription.
FSA- and HSA-eligible wart removal products include:
Topical treatments containing salicylic acid, the most common active ingredient used to dissolve wart tissue
Freeze or cryotherapy kits (e.g., using dimethyl ether and propane) that simulate in-office wart removal
Liquid, gel, pad, or stick applicators specifically labeled for wart treatment
Pediatric or sensitive skin formulas with the same therapeutic purpose
These products are eligible as long as they are marketed to treat warts on hands, feet (plantar warts), or other external skin surfaces.
What’s Not Covered?
Products not labeled to treat warts or those intended for cosmetic skin enhancement are not eligible. This includes:
Skin tag removers or mole removal kits not labeled for wart treatment
Essential oil blends or herbal remedies without an active medicinal ingredient
Wart treatment bundled with non-medical cosmetic skincare
Cosmetic peels or spa-style skincare masks
To qualify, the product must contain an active medicinal ingredient and be specifically labeled for wart removal.
How to Buy Wart Removal Products with Your FSA or HSA
You can purchase wart removal products 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)
Choose a product that contains salicylic acid, dimethyl ether, or another approved active ingredient
Ensure the product is labeled specifically for wart treatment
Save your receipt in case your plan administrator requests documentation
For more details, visit the SIGIS Eligible Product List Criteria.
