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Are Contact Lenses HSA/FSA Eligible?

Category: Vision & Eye Care · Updated 2026-11-11
ELIGIBLE
The Ruling

Corrective contacts and the saline/cleaning solution used with them are both eligible.

Medical careIRC §213(d) · IRS Pub. 502, "Contact Lenses"
Typical price$150-400/year
Letter of Medical NecessityNot required

How the rule applies

Corrective contact lenses and the saline or cleaning solution used with them are medical expenses, because they correct a vision problem.

What to keep for your records

Keep the receipt from your eye doctor or online seller. Mail-order contacts need the same receipt as in-store ones.

Watch out for

Colored lenses with no vision correction are not eligible. Cleaning solutions are, but general eye makeup remover is not.

Where to buy it HSA/FSA-eligible

Pay with your HSA or FSA card directly, or buy elsewhere and save the receipt to submit for reimbursement.

Shop on FSA Store → Shop on HSA Store →

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This ruling applies the HSA/FSA account rules (IRC §223, IRS Pub. 969), the medical-care definition they rely on (IRC §213(d), IRS Pub. 502) and any later statutory change or IRS guidance listed above. It is for informational purposes only. Eligibility can vary slightly by plan administrator — when in doubt, confirm with yours before purchasing.

Your next step

Learn what applies to you, run your own numbers, then act on it.

1 · LearnReimburse yourself laterNo HSA deadline: pay now, claim years from nowRead the guide 2 · AssessContribution CalculatorYour exact 2026 HSA or FSA limit, catch-up includedOpen the tool
3 · ActBuy Contact Lenses with HSA/FSA fundsFSA Store sells items it lists as HSA/FSA eligible, so you can pay with your HSA or FSA card.Shop FSA Store Partner link. We may earn a commission; it never changes a ruling. How we make money
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