Yes, acne treatment is eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Acne Treatment FSA/HSA Eligible?
Acne is a diagnosable medical condition, and products used to treat it qualify as eligible medical expenses under IRS Code Section 213(d). Treatments that address active acne, inflammation, clogged pores, or infection are considered medical in nature—whether over-the-counter (OTC) or prescription-strength.
Thanks to the CARES Act of 2020, over-the-counter acne treatments are FSA- and HSA-eligible without a prescription. Eligible acne treatments include products containing active ingredients such as:
Benzoyl peroxide
Salicylic acid
Adapalene (e.g., Differin® Gel)
Sulfur-based treatments
Prescription products like tretinoin (Retin-A), clindamycin, or isotretinoin (Accutane®)
These products are used to treat mild to severe acne and may be part of either self-directed or physician-recommended regimens.
What’s Not Covered?
General skincare products that promote clearer skin but are not labeled or marketed as acne treatment may not be eligible. Moisturizers, exfoliants, or cosmetic cleansers without a medical use case are typically considered personal care items and are not covered.
Acne scar treatments, peels, and cosmetic procedures performed for aesthetic reasons are also not eligible, even if they are related to prior acne.
How to Buy Acne Treatment with Your FSA or HSA
You can purchase acne treatment products 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 as “acne treatment” or containing recognized active ingredients
Save your receipt in case your plan administrator requests documentation
Avoid products marketed solely for cosmetic or skincare enhancement without a treatment claim
