Suntan lotion is not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Suntan Lotion Not FSA/HSA Eligible?
Suntan lotion is designed to enhance or accelerate tanning, not to prevent or treat medical conditions related to sun exposure. Because it does not serve a medical purpose—such as protecting against ultraviolet (UV) damage—it does not qualify as medical care under IRS Code Section 213(d).
According to the SIGIS Eligible Product List Criteria, sunscreen products with an SPF (Sun Protection Factor) rating are eligible because they prevent sunburn and reduce the risk of skin cancer. However, suntan lotions and products marketed for tanning or cosmetic skin enhancement do not meet these medical criteria and are excluded.
What’s Not Covered?
Suntan lotions or oils designed to promote tanning
Bronzing or “deep tan” lotions without SPF protection
Tanning accelerators or enhancers
Products marketed for cosmetic skin coloration or glow
Sunscreens without an SPF rating listed on the packaging
LMN and Exceptions
Suntan lotions are not eligible under any circumstances, even with a Letter of Medical Necessity (LMN).
Only products specifically labeled and marketed as sunscreen—with an SPF rating of 15 or higher—qualify for reimbursement. If a product combines tanning and sun protection, it is still ineligible unless its primary purpose is UV protection and the SPF is clearly indicated.
To ensure eligibility for sun protection products:
Look for the term “sunscreen” and an SPF value on the label.
Keep itemized receipts that include the product name and SPF.
Avoid tanning lotions or oils, even if they claim limited UV protection.
