Yes, allergy medicine is eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Allergy Medicine FSA/HSA Eligible?
Allergy medications are used to treat specific medical conditions such as seasonal allergies, allergic rhinitis, and other common immune system responses to environmental triggers.
According to IRS Code Section 213(d), expenses for medications that are used to diagnose, treat, or alleviate a medical condition are considered qualified medical expenses.
Additionally, under the CARES Act of 2020, over-the-counter (OTC) allergy medications no longer require a prescription to be eligible for reimbursement with FSA or HSA funds.
Common FSA- and HSA-eligible allergy medications include:
Antihistamines such as Claritin® (loratadine), Zyrtec® (cetirizine), Allegra® (fexofenadine), and Benadryl® (diphenhydramine)
Nasal sprays like Flonase® (fluticasone), Nasacort® (triamcinolone), and Rhinocort®
Decongestants such as Sudafed® (pseudoephedrine)
Combination medications used to treat multiple allergy symptoms
These medications are eligible whether used to treat seasonal pollen allergies, indoor allergies such as dust and pet dander, or other allergen-related symptoms.
What’s Not Covered?
While most OTC and prescription allergy medications are eligible, other allergy-related items are not automatically covered. For example, air purifiers, HEPA filters, allergen-proof bedding, and other environmental aids are typically ineligible unless prescribed for a diagnosed medical condition and supported by a Letter of Medical Necessity (LMN).
Additionally, dietary supplements or herbal remedies marketed for immune support or natural allergy relief are not considered eligible unless they meet specific medical-use criteria and are supported by an LMN.
How to Buy Allergy Medicine with Your FSA or HSA
You can purchase allergy medicine 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 “FSA/HSA eligible”
Save your receipt in case documentation is required by your plan administrator
Avoid non-medical or supplement-based products that may not qualify
