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Is It FSA or HSA Eligible?

Type any product or service below for an instant answer — eligible, not eligible, or needs a Letter of Medical Necessity. Every answer comes from the same eligibility rules SpendRebel uses everywhere else on the site.

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Vision

Prescription eyeglasses, contacts, and eye care products.

Prescription Eyeglasses

$75 - $500

Corrective lenses with frames prescribed by an eye care professional. Includes single vision, bifocal, and progressive lenses.

FSA eligibleHSA eligibleRx requiredShop on Amazon

Contact Lenses

$30 - $90

Soft or rigid gas permeable contact lenses. Daily, weekly, or monthly disposable options.

FSA eligibleHSA eligibleRx requiredShop on Amazon

Prescription Sunglasses

$100 - $600

Sunglasses with corrective prescription lenses. UV protection with vision correction.

FSA eligibleHSA eligibleRx requiredShop on Amazon

Contact Lens Solution

$8 - $20

Multi-purpose solution for cleaning, rinsing, disinfecting, and storing soft contact lenses.

FSA eligibleHSA eligibleShop on Amazon

Eye Drops (Artificial Tears)

$8 - $25

Lubricating eye drops for dry eye relief. Over-the-counter formula for everyday comfort.

FSA eligibleHSA eligibleShop on Amazon

Blue Light Blocking Glasses

$15 - $80

Non-prescription glasses that filter blue light from digital screens to reduce eye strain.

FSA eligibleHSA eligibleLMN requiredShop on Amazon

Reading Glasses

$8 - $30

Non-prescription magnifying reading glasses in various diopter strengths (+1.00 to +3.50).

FSA eligibleHSA eligibleShop on Amazon
🦷

Dental

Cleanings, fillings, orthodontics, and other dental care.

Dental Cleaning

$75 - $250

Professional dental cleaning (prophylaxis) by a licensed dental hygienist. Typically recommended every 6 months.

FSA eligibleHSA eligibleShop on Amazon

Orthodontics (Braces)

$3k - $8k

Traditional metal or ceramic braces for teeth alignment. Includes initial fitting and ongoing adjustments.

FSA eligibleHSA eligibleShop on Amazon

Dental Fillings

$100 - $400

Tooth-colored composite or amalgam fillings for cavities and minor tooth decay repair.

FSA eligibleHSA eligibleShop on Amazon

Dental X-Rays

$25 - $250

Diagnostic dental X-rays including bitewing, periapical, and panoramic imaging.

FSA eligibleHSA eligibleShop on Amazon

Dental Night Guard

$20 - $500

Custom-fitted mouth guard for teeth grinding (bruxism) prevention during sleep.

FSA eligibleHSA eligibleShop on Amazon
🏥

OTC Medicine

Over-the-counter pain relievers, allergy medicine, and more — no prescription needed since the 2020 CARES Act.

Ibuprofen (Advil/Motrin)

$5 - $15

Over-the-counter NSAID pain reliever and fever reducer. Available in 200mg tablets and liquid gels.

FSA eligibleHSA eligibleShop on Amazon

Acetaminophen (Tylenol)

$5 - $15

Over-the-counter pain reliever and fever reducer. Available in regular strength and extra strength.

FSA eligibleHSA eligibleShop on Amazon

Allergy Medication (Claritin/Zyrtec)

$12 - $35

Non-drowsy antihistamine for seasonal allergy relief. 24-hour formula for sneezing, runny nose, and itchy eyes.

FSA eligibleHSA eligibleShop on Amazon

Cold & Flu Medicine (DayQuil/NyQuil)

$8 - $20

Multi-symptom cold and flu relief. Daytime non-drowsy and nighttime formulas available.

FSA eligibleHSA eligibleShop on Amazon

Antacid (Tums/Pepto-Bismol)

$4 - $12

Over-the-counter relief for heartburn, acid indigestion, and upset stomach.

FSA eligibleHSA eligibleShop on Amazon

Melatonin

$5 - $18

Natural sleep aid supplement for occasional sleeplessness. Available in tablets and gummies.

FSA eligibleHSA eligibleShop on Amazon

Hydrocortisone Cream

$5 - $15

Topical anti-itch cream for minor skin irritations, rashes, eczema, and insect bites.

FSA eligibleHSA eligibleShop on Amazon

Nasal Saline Spray

$4 - $12

Sterile saline nasal spray for moisturizing nasal passages and relieving congestion.

FSA eligibleHSA eligibleShop on Amazon
🩹

First Aid

Bandages, antiseptics, thermometers, and wound care supplies.

First Aid Kit

$12 - $50

Comprehensive first aid kit with bandages, gauze, antiseptic wipes, tape, scissors, and basic wound care supplies.

FSA eligibleHSA eligibleShop on Amazon

Adhesive Bandages (Band-Aid)

$3 - $12

Sterile adhesive bandages in assorted sizes for minor cuts, scrapes, and blisters.

FSA eligibleHSA eligibleShop on Amazon

Digital Thermometer

$8 - $40

Fast-reading digital thermometer for accurate oral, rectal, or underarm temperature measurement.

FSA eligibleHSA eligibleShop on Amazon

COVID-19 Home Test Kit

$8 - $30

FDA-authorized rapid antigen test for at-home COVID-19 detection. Results in 15 minutes.

FSA eligibleHSA eligibleShop on Amazon

Antibiotic Ointment (Neosporin)

$5 - $12

Triple antibiotic ointment for infection prevention on minor cuts, scrapes, and burns.

FSA eligibleHSA eligibleShop on Amazon

Hand Sanitizer

$2 - $10

Alcohol-based hand sanitizer gel with at least 60% ethanol for effective germ protection.

FSA eligibleHSA eligibleShop on Amazon

Elastic Bandage (ACE Wrap)

$4 - $15

Reusable elastic compression bandage for sprains, strains, and joint support.

FSA eligibleHSA eligibleShop on Amazon
☀️

Sun Protection

SPF sunscreen and lip balm.

Sunscreen (SPF 30+)

$8 - $25

Broad spectrum sunscreen with SPF 30 or higher. Water-resistant formula for face and body.

FSA eligibleHSA eligibleShop on Amazon

Lip Balm with SPF

$3 - $10

Moisturizing lip balm with SPF 15 or higher sun protection.

FSA eligibleHSA eligibleShop on Amazon

Sunscreen for Kids (SPF 50+)

$10 - $20

Gentle, hypoallergenic sunscreen formulated for children. SPF 50+ broad spectrum protection.

FSA eligibleHSA eligibleShop on Amazon
🌸

Women's Health

Menstrual products, breast pumps, prenatal vitamins, and fertility tests.

Tampons

$6 - $15

Disposable tampons in regular, super, and super plus absorbencies. Compact applicator.

FSA eligibleHSA eligibleShop on Amazon

Menstrual Pads

$6 - $15

Disposable menstrual pads in regular and overnight absorbencies. Individual wrapped for hygiene.

FSA eligibleHSA eligibleShop on Amazon

Breast Pump

$30 - $350

Electric or manual breast pump for expressing and collecting breast milk. Insurance-covered under ACA.

FSA eligibleHSA eligibleShop on Amazon

Menstrual Cup

$20 - $40

Reusable medical-grade silicone menstrual cup. Available in multiple sizes for comfortable wear up to 12 hours.

FSA eligibleHSA eligibleShop on Amazon

Prenatal Vitamins

$10 - $40

Daily prenatal multivitamin with folic acid, iron, DHA, and essential nutrients for pregnancy.

FSA eligibleHSA eligibleShop on Amazon

Pregnancy Test

$7 - $25

Home pregnancy test kit with over 99% accuracy. Results in minutes.

FSA eligibleHSA eligibleShop on Amazon

Ovulation Test Kit

$15 - $50

Ovulation predictor kit for tracking fertile window. Digital or strip test format.

FSA eligibleHSA eligibleShop on Amazon
🏋️

Fitness

New for 2026 — HSA eligible only, not FSA.

Gym Membership

$20 - $100

Monthly gym or fitness center membership. NEW for 2026: eligible under HSA accounts only, up to annual limit.

HSA eligibleShop on Amazon
💪

Pain Relief & Therapy

Massage guns, TENS units, braces, and heat/cold therapy.

Massage Gun (Percussive Therapy)

$50 - $400

Handheld percussive therapy massage device for muscle recovery, pain relief, and improved circulation.

FSA eligibleHSA eligibleLMN requiredShop on Amazon

Heating Pad

$15 - $60

Electric heating pad with multiple heat settings for sore muscles, cramps, and joint pain relief.

FSA eligibleHSA eligibleShop on Amazon

TENS Unit

$25 - $100

Transcutaneous Electrical Nerve Stimulation device for drug-free pain management. Multiple intensity settings.

FSA eligibleHSA eligibleShop on Amazon

Ice Pack (Reusable)

$8 - $25

Reusable gel ice pack for cold therapy. Flexible design conforms to body for sprains, swelling, and injuries.

FSA eligibleHSA eligibleShop on Amazon

Knee Brace / Support

$12 - $80

Adjustable knee brace for stability and support during daily activities or recovery.

FSA eligibleHSA eligibleShop on Amazon

Wrist Brace / Carpal Tunnel Support

$10 - $40

Ergonomic wrist brace for carpal tunnel syndrome, tendonitis, and repetitive strain support.

FSA eligibleHSA eligibleShop on Amazon

Compression Socks

$10 - $50

Graduated compression socks for improving circulation, reducing swelling, and preventing DVT.

FSA eligibleHSA eligibleShop on Amazon
🩺

Medical Devices

Blood pressure and glucose monitors, CPAP machines, and more.

Blood Pressure Monitor

$25 - $100

Automatic upper arm blood pressure monitor with digital display. FDA-cleared for home use.

FSA eligibleHSA eligibleShop on Amazon

Blood Glucose Monitor

$15 - $75

Blood glucose monitoring system with test strips and lancets for diabetes management.

FSA eligibleHSA eligibleShop on Amazon

Pulse Oximeter

$15 - $60

Fingertip pulse oximeter for measuring blood oxygen saturation (SpO2) and heart rate.

FSA eligibleHSA eligibleShop on Amazon

CPAP Machine

$200 - $1.2k

Continuous Positive Airway Pressure device for sleep apnea treatment. Includes mask and tubing.

FSA eligibleHSA eligibleRx requiredShop on Amazon

Hearing Aid Batteries

$5 - $20

Zinc-air batteries for hearing aids. Available in sizes 10, 13, 312, and 675.

FSA eligibleHSA eligibleShop on Amazon
🦴

Professional Services

Chiropractic, acupuncture, physical therapy, and direct primary care.

Physical Therapy Session

$50 - $300

One-on-one physical therapy session for injury rehabilitation, chronic pain, or post-surgical recovery.

FSA eligibleHSA eligibleShop on Amazon

Chiropractic Visit

$30 - $200

Chiropractic adjustment and spinal manipulation by a licensed chiropractor.

FSA eligibleHSA eligibleShop on Amazon

Direct Primary Care (DPC) Membership

$50 - $200

Monthly retainer for Direct Primary Care practice providing unlimited primary care visits. NEW for 2026: HSA eligible.

HSA eligibleShop on Amazon

Acupuncture Session

$60 - $200

Licensed acupuncture treatment session for pain management, stress relief, and overall wellness.

FSA eligibleHSA eligibleShop on Amazon

Don't see your item on this list?

It may still be FSA/HSA eligible. Search Amazon with the FSA/HSA filter applied to check and buy it with your benefits card.

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Frequently Asked Questions

What items are FSA and HSA eligible?

Most out-of-pocket medical expenses the IRS recognizes as qualified medical care are eligible — prescription eyeglasses and contacts, dental cleanings and orthodontics, over-the-counter medication, first aid supplies, sunscreen, menstrual products, blood pressure and glucose monitors, and more. Type an item above or browse the full list below.

What's the difference between FSA-eligible and HSA-eligible?

The two lists overlap almost completely. The exceptions are new for 2026: gym memberships and Direct Primary Care memberships are HSA eligible only — they are not reimbursable through a Flexible Spending Account.

What is a Letter of Medical Necessity (LMN), and when do I need one?

A Letter of Medical Necessity is a note from a licensed provider stating that an otherwise personal-use item — like blue light blocking glasses or a massage gun — is being used to treat a specific medical condition. Items marked “LMN required” below need one on file before a claim gets approved.

Do I need a prescription to buy an FSA/HSA-eligible item?

Only for items marked “Rx required” below, like prescription eyeglasses, contact lenses, and CPAP machines. Most over-the-counter medication and first aid supplies need no prescription — that requirement was dropped by the CARES Act in 2020.

Can I use my FSA money before it expires?

Yes — spend it on anything on this list before your plan year's deadline or grace period ends. Type an item above for an instant answer, or email yourself the full checklist so you don't forget what still qualifies.