OTC Medications
Over-the-counter drugs and remedies, eligible without a prescription since the 2020 CARES Act.
Since the 2020 CARES Act, you can use HSA and FSA money on over-the-counter drugs without a prescription. That covers pain relievers, allergy medicine and similar products sold for a medical purpose. Supplements are where things get less clear. Items sold as general wellness products are excluded, while items sold as drugs for a condition are accepted. Each page below explains the rule for one product and what paperwork to keep.
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HSA-Eligible Expenses
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HSA/FSA Reimbursement & Documentation
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HSA Contributions & Eligibility
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