You’ve probably heard people mention their HSA or FSA and found yourself nodding along without really knowing what they meant. Don’t worry—you’re not the only one. I’m breaking it all down and sharing some of my favorite HSA- and FSA-eligible products on Amazon that I actually use. You might be surprised by what qualifies!
HSA and FSA accounts can be game-changers for families, but many people misunderstand them or don’t take full advantage. If you’re budgeting for medical expenses or just looking to stretch your dollars further, this quick guide breaks down the difference between the two—and shares a list of surprising things you can actually buy with an HSA or FSA on Amazon.
What is a HSA?
HSA stands for Health Savings Account—a special savings account you can use to pay for qualified medical expenses tax-free. Think doctor visits, prescriptions, and even some wellness products.
To open an HSA, you’ll need to be enrolled in a high-deductible health plan (HDHP). The money you contribute rolls over year after year, and if you don’t use it, you can even invest it—similar to a retirement account.
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What is a FSA?
FSA stands for Flexible Spending Account. It’s a tax-free account for medical expenses, but it’s managed through your employer and has stricter rules.
You decide how much money to put into your FSA each year, and that money is available upfront—but most of it must be used within the plan year, or you risk losing it.
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10 Surprising HSA/FSA-Eligible Items on Amazon:
You probably know you can use your HSA or FSA card for things like contact lenses and thermometers. However, here are 10 unexpected and fun Amazon finds that are HSA/FSA eligible:
- Supergoop & Blue Lizard Sunscreen – Yes, your favorite sunscreen counts—just make sure it’s labeled “broad spectrum” to qualify.
- Colorescience Moisturizer + Lip/Blush SPF Products – Cosmetic and sun protection? Total win-win.
- Thinx Period Panties – Reusable, eco-friendly, and also, they’re eligible!
- First Aid Kits – Finally, a household essential you can grab guilt-free.
- Nanit Baby Monitor – Certain smart baby items (like breathing bands) can qualify!
- LifeVac – Also, a choking rescue device that brings peace of mind.
- Breathalyzers – While we hope everyone drinks responsibly, personal safety devices are eligible too.
- Lumify Redness Reliever Eye Drops – These fix dry eyes, but we all love them because they make the whites of our eyes shine bright!
- Massage Guns (like Hypervolt) – Yep, even things like recovery tools for sore muscles can be covered—but you’ll want to make sure they’re categorized the right way.
- OTC Medications (although, some might need a prescription) – Think allergy meds, pain relievers, and more.
Here’s a tip!
Be sure to check the product description for the “HSA/FSA eligible” label so you know your item qualifies.
What is the Childcare Credit for FSA?
People often confuse the $5,000 Dependent Care FSA (DC-FSA) with the Healthcare FSA. While both belong to the FSA family, they provide different benefits.
🧸 Dependent Care FSA
The IRS allows each household to contribute up to $5,000 annually to this account, which is completely separate from the Healthcare FSA.
✅ Eligible DC-FSA Expenses:
- Daycare centers
- Preschool (not kindergarten or higher)
- Before- and after-school programs
- Summer day camps (not overnight)
- Babysitters/nannies (as long as used so you can work)
- In-home care for a dependent adult
⚠️ You cannot use DC-FSA funds for:
- School tuition for kindergarten+
- Overnight camps
- Babysitting while you’re not working
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👉 Click here to shop HSA/FSA eligible products on Amazon — Go ahead and grab the things you didn’t even know were covered.
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