Is Sunscreen (SPF 15+) HSA/FSA Eligible?
Broad-spectrum SPF 15+ sunscreen is explicitly eligible as skin cancer prevention.
How the rule applies
Sunscreen with broad-spectrum protection and an SPF of 15 or higher is eligible. IRS guidance treats it as skin cancer prevention.
What to keep for your records
Keep the receipt showing the SPF number on the product name.
Watch out for
Products that are mainly cosmetics with some SPF, such as tinted moisturizer, may not qualify. Lip balm with SPF 15 or higher is often accepted.
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 →Related in Skin & Sun Care
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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.