Yes, nicotine gum is eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Nicotine Gum FSA/HSA Eligible?
Nicotine gum is used as a smoking cessation aid to help individuals reduce or quit tobacco use. Because it is intended to treat nicotine dependence—a recognized medical condition—it qualifies as an eligible medical expense under IRS Code Section 213(d).
Following the CARES Act of 2020, over-the-counter (OTC) smoking cessation products, including nicotine gum, are FSA- and HSA-eligible without a prescription.
According to the SIGIS Eligible Product List Criteria, smoking cessation products containing nicotine are eligible as long as they are marketed for medical use.
FSA- and HSA-eligible nicotine gum products include:
Nicotine gum in various strengths (e.g., 2mg, 4mg)
Sugar-free and flavored versions labeled for smoking cessation
Generic or branded options (e.g., Nicorette, Habitrol, store brands)
Starter packs and refill packs for smoking cessation programs
These products are eligible because they contain an active medicinal ingredient and are used to treat nicotine addiction.
What’s Not Covered?
Products that do not contain an active nicotine ingredient or that are not marketed for smoking cessation are not eligible. This includes:
Chewing gum without nicotine
Herbal or non-nicotine supplements marketed as calming aids
General wellness products without a smoking cessation claim
To be eligible, the product must clearly state that it is intended to support quitting smoking and contain nicotine as the active ingredient.
How to Buy Nicotine Gum with Your FSA or HSA
You can purchase nicotine gum 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 packaging labeled for smoking cessation and nicotine content
Save your receipt in case your plan administrator requests documentation
Avoid gum or supplements not intended for tobacco addiction treatment
For more information, visit the SIGIS Eligible Product List Criteria.
