Is Cosmetics & Makeup HSA/FSA Eligible?
Explicitly excluded as a personal-use item with no medical purpose.
How the rule applies
Makeup, lotions and similar products are personal care items without a medical purpose. The IRS excludes them by name in Publication 502.
What to keep for your records
Do not submit cosmetics.
Watch out for
Acne medicine, prescription skin treatments and sunscreen are different and eligible. Anti-aging creams and fragrance are not.
Not eligible, but don't leave HSA savings on the table
If you don't have an HSA yet, opening one is one of the few triple-tax-advantaged accounts available. See what you'd save.
Open an HSA with Lively → Check if you qualify →Related in Skin & Sun Care
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HSA vs. FSA
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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.