Yes, baby sunscreen is eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Baby Sunscreen FSA/HSA Eligible?
Sunscreen is considered an eligible medical expense under IRS Code Section 213(d) because it prevents sunburn and reduces the risk of skin cancer, which is a medically recognized condition. Baby sunscreen qualifies as long as it is broad-spectrum and has a Sun Protection Factor (SPF) of 15 or higher , which are the key criteria used by both the IRS and SIGIS (Special Interest Group for IIAS Standards) for eligibility.
Baby sunscreen is often formulated for sensitive skin or contains physical (mineral) blockers like zinc oxide or titanium dioxide, but these differences do not affect eligibility as long as the product meets the SPF and broad-spectrum requirements.
Eligible baby sunscreens include:
Mineral sunscreens with SPF 15+
Broad-spectrum creams or sticks labeled for infant or toddler use
Products that are pediatrician-recommended for sun protection
What’s Not Covered?
Sunscreens that do not meet the SPF 15+ threshold or that are not labeled as broad-spectrum are not eligible. Additionally, cosmetic or skincare products that contain sunscreen as a secondary ingredient (such as moisturizers or makeup) are typically not eligible unless the product is primarily marketed and labeled as sunscreen.
Tanning oils or sunscreens with SPF below 15 do not qualify.
How to Buy Baby Sunscreen with Your FSA or HSA
You can purchase baby sunscreen 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)
Confirm the product is labeled as broad-spectrum and has SPF 15 or higher
Save your receipt in case your benefits provider requires documentation
Avoid skincare products with incidental SPF that aren’t marketed primarily as sunscreen
