Yes, sunscreen for kids is eligible for purchase with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Sunscreen for Kids FSA/HSA Eligible?
Sunscreen is considered an eligible medical expense under IRS Code Section 213(d) when it is used to prevent sunburn and reduce the risk of skin cancer. These are recognized medical concerns, and sunscreen serves a preventive function in accordance with IRS guidelines.
To qualify, the sunscreen must meet two key criteria:
It must be broad-spectrum (protects against both UVA and UVB rays)
It must have an SPF (Sun Protection Factor) of 15 or higher
Sunscreen marketed for kids is often formulated for sensitive skin or water resistance, but as long as it meets the SPF and broad-spectrum requirements, it is considered FSA- and HSA-eligible.
Eligible products include:
Mineral and chemical sunscreens with SPF 15+
Stick, spray, or lotion formulas for children
Pediatrician-recommended sunscreens labeled for child use
What’s Not Covered?
Sunscreens that have SPF below 15 or are not labeled as broad-spectrum are not eligible. Moisturizers, lotions, or cosmetics that include incidental SPF—but are not primarily marketed as sunscreen—are also not eligible.
Tanning oils or sprays, regardless of SPF, do not qualify.
How to Buy Sunscreen for Kids with Your FSA or HSA
You can purchase sunscreen for kids 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)
Make sure the product is labeled as broad-spectrum with SPF 15 or higher
Save your receipt in case your benefits provider requests documentation
Avoid products where sun protection is not the primary purpose
