Yes, contact solution is eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Contact Solution FSA/HSA Eligible?
Contact solution is considered a qualified medical expense under IRS Code Section 213(d) because it is medically necessary for the cleaning, disinfecting, and storage of prescription contact lenses. It supports the safe use of corrective lenses, which are used to treat refractive vision conditions such as nearsightedness, farsightedness, and astigmatism.
FSA- and HSA-eligible contact lens care products include:
Multipurpose contact lens solution
Hydrogen peroxide-based cleaning systems
Saline solution (used for rinsing and storing contact lenses)
Daily cleaning or enzymatic cleaners
Rewetting drops specifically formulated for contact lenses
These products are essential to maintaining eye health and the proper function of prescription lenses.
What’s Not Covered?
Eye drops or lubricants not labeled for contact lens use may not be eligible unless they are marketed to treat a specific medical condition (such as dry eye). Cosmetic or comfort-based products that do not have a medical purpose are generally not covered.
General-purpose saline or sterile water solutions are not eligible when used for non-medical reasons (e.g., cosmetic cleansing), but they are eligible when specifically marketed for a medical purpose—such as nasal irrigation or wound care.
How to Buy Contact Solution with Your FSA or HSA
You can purchase contact solution 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)
Choose products specifically labeled for contact lens cleaning, disinfecting, or storage
Save your receipt in case your plan administrator requests documentation
Avoid cosmetic or comfort-only eye drops not tied to lens use or a medical condition
