FSA/HSA FAQ – Frequently Asked Questions

What products are FSA and HSA eligible?

FSA and HSA funds can be used for IRS-approved medical expenses. Common eligible categories include:

• Over-the-counter medications (pain relievers, allergy, cold & flu, etc.)
• First aid supplies (bandages, antiseptics, braces)
• Blood pressure monitors, thermometers, and other medical devices
• Contact lenses and solution
• Sunscreen (SPF 15+)
• Menstrual care products
• Feminine hygiene products
• Hearing aids and batteries

Every product listed on buyFSA.com is FSA/HSA eligible with no guesswork needed.

View the full FSA/HSA Eligibility List here.

What is the difference between an FSA and an HSA?

A Flexible Spending Account (FSA) is employer-sponsored and typically has a use-it-or-lose-it rule each plan year. A Health Savings Account (HSA) is paired with a high-deductible health plan (HDHP), is individually owned, and funds roll over year to year. Both can be used for the same IRS-approved medical expenses.

Do FSA funds expire?

Most FSA plans have a December 31 deadline, though some employers offer a grace period (up to 2.5 months) or a rollover of up to $640 (2024 IRS limit). Check your plan documents or contact your HR department for your specific deadline.

Can I use my FSA or HSA for a family member?

Yes. FSA and HSA funds can generally be used for eligible expenses for yourself, your spouse, and your tax dependents, even if they are not covered under your health plan.

How do I pay with my FSA or HSA card at checkout?

At checkout, enter the card details just like a regular debit or credit card. Because every product on buyFSA.com is FSA/HSA eligible, your card should process without issue.

What should I do if my FSA or HSA card is declined?

• Check your balance — log in to your plan portal or call the number on the back of your card.
• Verify card activation — new cards sometimes need to be activated before first use.
• Pay another way and get reimbursed — use a credit card and submit a reimbursement claim with your receipt.

If you continue to have trouble, contact your FSA/HSA plan administrator directly (often, you can find their number on the back of your card).

Do I need to enter a special code or select a special option at checkout?

No. Simply enter your FSA/HSA debit card details at checkout. No special codes or selections are required — the card processes like any Visa or Mastercard debit card.

How do I get reimbursed from my FSA or HSA (for non-FSA/HSA card purchases)?

1. Pay for your order with a personal credit or debit card.
2. Save your order confirmation email — it serves as your receipt.
3. Log in to your FSA/HSA plan portal and submit a reimbursement claim.
4. Upload your receipt when prompted.

Most plans process reimbursements within 5–10 business days. You can also mail in a paper claim if your plan requires it.

What documentation do I need for reimbursement?

Your buyFSA.com order confirmation email is typically sufficient. It includes the product name, date of purchase, and amount paid — all fields required by most FSA/HSA administrators.

Our team is here to help. Learn more about buyFSA or use our FSA Tax Savings Calculator to see how much you could save. You can also browse all FSA/HSA eligible products on our store.