Are Menstrual Products (Pads, Tampons, Cups) HSA/FSA Eligible?
Added to the eligible list by name in the 2020 CARES Act.
Why this is eligible: the CARES Act (§3702) added menstrual care products to the HSA, FSA and HRA rules for amounts paid after December 31, 2019. Pub. 969 lists them as covered expenses for each account type.
How the rule applies
The 2020 CARES Act added menstrual care products, such as pads, tampons and cups, to the list of eligible expenses by name.
What to keep for your records
Keep the receipt. Many retailers already mark these as eligible at checkout.
Watch out for
The law applies to products for menstrual care. Items like wipes, cosmetics or general feminine care products are not covered by the same rule.
Quick answers
Are tampons HSA eligible?
Yes. The CARES Act added menstrual care products, including tampons, pads and cups, to the eligible list in 2020.
Are tampons FSA eligible?
Yes, the same law covers FSAs. No prescription is needed.
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.
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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.