Can I buy sunscreen with my FSA or HSA?
Yes, sunscreen and sunblock is FSA-approved as long as it is SPF is 15+ and part of a suncare product line. The latter qualifier is important to note because some cosmetic and beauty consumer brands might carry an SPF 15+ sunscreen product that is disqualified by how the brand markets its larger suite of products (more on this below).
What is a are sunscreen and sunblock (re: FSA)?
Sunscreen and Sunblock are terms usually used interchangeably, but there are some distinctions. Both products can come in forms such as lotions, sprays, gels, or creams applied to the skin to protect it from harmful ultraviolet (UV) rays emitted by the sun.
Sunscreen:
- Function: Sunscreens absorb UV radiation and convert it into heat, which is then released from the skin. They primarily contain chemical filters.
- Common Ingredients: Oxybenzone, avobenzone, octisalate, octocrylene, and homosalate.
- Appearance: Typically, sunscreens have a more transparent or less visible appearance on the skin.
Sunblock:
- Function: Sunblocks physically block UV radiation from penetrating the skin. They often contain mineral ingredients that sit on the skin’s surface.
- Common Ingredients: Zinc oxide and titanium dioxide.
- Appearance: Sunblocks may leave a white or slightly opaque residue on the skin because of the physical blockers used.
Sunscreen and sun block both prevent sunburns, skin aging, and reduce the risk of skin cancer caused by excessive sun exposure. The products come in various formulations, including different SPF levels, water-resistant options, and specialized products for sensitive skin.
What are the rules for purchasing sunscreen and sunblock with an FSA/HSA?
Your FSA and HSA will cover most SPF 15+ sunscreens in its many forms (i.e. lip balms, creams, lotions, etc.) However, even sunscreens with SPF 15 or higher can be disqualified based on how the brand markets its other products. This may seem odd to some, but many FSA and HSA products are qualified by both the function and the presentation (i.e. how the product is marketed). This nuance creates a great deal of confusion around FSA/HSA product eligibility, but that’s where BuyFSA comes in to clarify eligibility rules.
Example of two similar items, but only one is FSA/HSA approved:
Coola Classic Liplux Organic Lip Balm Sunscreen SPF 30, Original
(FSA/HSA APPROVED)
This lip balm qualifies as it meets the two requirements:
- It is SPF 15+
- It is part of a suncare line. All of the other Coola products within the product line are for sun protection. Being that this brand has a focus on sun protection, it results in an FSA/HSA-approved status for its SPF 30 lip balm.
EOS SPF 30 Coconut Lip Balm
(NOT APPROVED WITH FSA/HSA)
While this item meets the requirement for SPF 15+, it is part of a larger selection of ineligible products such as regular moisturizing lip balms that are not for sun protection. This EOS sunscreen lip balm is not covered with your FSA or HSA.
The IRS recognizes the importance of sun protection as a preventive measure against certain skin conditions, making certain sunscreen products permissible for FSA and HSA reimbursement. The nuanced rules around how products are marketed are there to avoid abuse of the system.
The IRS recognizes the importance of sun protection as a preventive measure against certain skin conditions, making certain sunscreen products permissible for FSA and HSA reimbursement. The nuanced rules around how products are marketed are there to avoid abuse of the system.
Importance of Sunscreen Usage:
Regular use of sunscreen helps maintain healthy skin by preventing sun-induced skin damage (i.e. sunburn). Perhaps more importantly, sunscreen and sunblock reduce the risk of skin cancer. Whether you're spending a day at the beach, hiking, or simply going about your daily activities, applying sunscreen should be a part of your daily skincare routine. Dermatologists recommend choosing broad-spectrum sunscreens with an SPF of 30 or higher for optimal protection against both UVA and UVB rays.
Making the most of your FSA/HSA for Sunscreen:
Consider using your pretax funds to find sunscreen or sunblock in the format most suitable for your lifestyle, such as lotions, sprays, sticks, or lip balms. Using your FSA/HSA funds for sunscreen purchases not only safeguards your skin but it makes it easier for you to prioritize your skin health without straining your budget. As you plan for your annual health expenses, consider allocating funds to invest in high-quality sunscreens to ensure you are well-protected during daily outdoor activities.
Visit the BuyFSA Sun Care category to shop and explore various FSA-eligible sun care products and make the most of your Flexible Spending Account and Health Savings Account.
Related FSA-approved sun care products:
Are tanning oils or tanning beds FSA/HSA approved?
No, neither of these products serve the purpose of sun protection and are therefore not eligible.
Is Supergoop FSA eligible?
Yes, Supergoop is a brand that focuses on suncare, therefore all of their products that are SPF 15+ are approved for FSA and HSA spend.
Are Sunglasses FSA/HSA eligible?
While regular sunglasses are not FSA/HSA approved expenses, prescription lens sunglasses are approved and are covered with both your FSA and HSA.
