Can You Buy Sunscreen With an HSA? What You Need to Know

AvatarByKristie Pacheco Skincare

As the summer sun shines brighter and outdoor activities beckon, protecting your skin becomes more important than ever. Sunscreen is a vital part of any health-conscious individual’s routine, but when it comes to managing expenses, many wonder if this essential product can be purchased using their Health Savings Account (HSA). Understanding the nuances of what qualifies as an HSA-eligible expense can help you make informed decisions about your healthcare spending.

Navigating the rules surrounding HSAs and eligible medical expenses can sometimes be confusing, especially when it comes to everyday items like sunscreen. While HSAs are designed to cover a wide range of health-related costs, not all products that promote wellness automatically qualify. This raises important questions about how sunscreen fits into the picture and whether it can be considered a tax-advantaged purchase.

In the following sections, we will explore the criteria that determine HSA eligibility for sunscreen, shed light on IRS guidelines, and offer insights to help you maximize your health benefits. Whether you’re stocking up for summer or planning year-round skin protection, understanding these details can make a significant difference in how you manage your healthcare budget.

Understanding Eligible Sunscreen Products for HSA Purchases

When considering whether sunscreen can be purchased with a Health Savings Account (HSA), it is essential to understand the specific requirements that make sunscreen products eligible for HSA spending. The IRS outlines certain criteria that sunscreen products must meet to qualify as eligible medical expenses.

Primarily, to be HSA-eligible, sunscreen must have an SPF (Sun Protection Factor) of 15 or higher. This threshold is set because sunscreens with SPF 15 or above are recognized as effective for preventing sunburn and reducing the risk of skin damage, which is considered a medical preventive measure.

Additionally, the product must be intended primarily for sun protection rather than cosmetic or moisturizing purposes. While many sunscreens include moisturizing ingredients, their main function should be to protect the skin from UV radiation.

It is important to note that products such as tanning oils, sunscreen sprays without SPF or with SPF below 15, and after-sun lotions are generally not eligible for HSA reimbursement since they do not meet the preventive medical criteria.

Documentation and Purchase Tips for Using HSA on Sunscreen

When using an HSA card to purchase sunscreen, keeping proper documentation is advisable to ensure compliance with IRS guidelines and for potential audits. Here are some practical tips:

  • Save Receipts: Always retain receipts that clearly list the sunscreen product, its SPF rating, and the purchase date.
  • Check Labels: Verify that the sunscreen packaging specifies an SPF of 15 or higher.
  • Use Eligible Retailers: Purchase from pharmacies, health stores, or reputable online vendors that provide clear product descriptions.
  • Separate Purchases: If buying a combination product (e.g., sunscreen with moisturizer), be aware that only the portion attributable to the sunscreen function may qualify. Some retailers provide receipts itemizing each component.
  • Consult HSA Provider: Some HSA administrators offer lists of eligible products or a search tool to confirm eligibility before purchase.

Comparing Sunscreen Products for HSA Eligibility

The following table compares common types of sunscreen products and their general eligibility for HSA spending:

Product Type SPF Requirement HSA Eligible Comments
Broad-spectrum sunscreen lotion 15 or higher Yes Meets criteria for sunburn prevention.
Sunscreen spray 15 or higher Yes, if SPF is 15+ Must clearly indicate SPF on packaging.
Moisturizing lotion with SPF 15+ 15 or higher Typically yes Eligible if SPF component is primary purpose.
Tanning oil N/A No Not designed to prevent sunburn.
After-sun lotions N/A No Used for skin repair, not prevention.

Additional Considerations for Sunscreen and HSA Usage

While sunscreen products meeting the SPF 15+ requirement are generally HSA-eligible, there are additional nuances to consider:

  • Prescription Sunscreens: Sunscreens prescribed by a healthcare provider may be eligible regardless of SPF level. This includes formulations for specific skin conditions.
  • Sunscreen for Children: Sunscreen products for infants and children that meet SPF requirements are also eligible.
  • Limitations on Cosmetic Products: Products primarily marketed as cosmetic, even if containing SPF, may not be eligible if sun protection is not their primary function.
  • State and Provider Variations: Some HSA administrators or state rules might have specific interpretations or additional restrictions, so checking with your HSA plan provider is recommended before purchase.

By understanding these guidelines, individuals can confidently select sunscreen products that qualify for HSA spending, ensuring both compliance and effective sun protection.

Eligibility of Sunscreen for HSA Purchases

Health Savings Accounts (HSAs) are designed to allow individuals to save money tax-free for qualified medical expenses. Whether sunscreen qualifies as an eligible expense for HSA funds depends on specific criteria established by the IRS.

IRS Guidelines on Sunscreen and HSA Eligibility

According to IRS Publication 502 and the Internal Revenue Code, sunscreen can be purchased with HSA funds if it meets the following conditions:

  • Sun Protection Factor (SPF) 15 or Higher: The sunscreen must have an SPF rating of at least 15.
  • Broad-Spectrum Protection: The product should protect against both UVA and UVB rays.
  • Primarily for Medical Use: The sunscreen must be intended for protecting the skin from harmful ultraviolet rays to prevent sunburn and reduce skin cancer risk.

Products that do not meet these criteria, such as moisturizers with SPF lower than 15 or cosmetics with incidental sun protection, are generally not eligible.

Examples of Eligible and Non-Eligible Sunscreen Products

Product Type SPF Requirement Eligibility for HSA Purchase Notes
Broad-spectrum sunscreen SPF 15 or higher Eligible Includes lotions, sprays, and sticks
Lip balm with SPF 15 or higher SPF 15 or higher Eligible Protects lips from sun damage
Moisturizers with SPF less than 15 Below SPF 15 Not eligible Considered cosmetic rather than medical expense
Makeup with SPF Varies Generally not eligible Primarily cosmetic; incidental sun protection
Tanning oils or products without SPF None Not eligible Do not provide adequate sun protection

Documentation and Record-Keeping for HSA Sunscreen Purchases

To ensure compliance and avoid issues with HSA account audits, it is important to maintain proper documentation when purchasing sunscreen with HSA funds.

  • Keep Receipts: Retain itemized receipts showing the product name, SPF rating, and purchase date.
  • Product Labels: Save or photograph packaging that clearly indicates SPF 15 or higher and broad-spectrum protection.
  • Healthcare Provider Recommendation: In cases where sunscreen is prescribed or recommended by a healthcare provider (e.g., for patients with photosensitive conditions), keep a copy of the prescription or recommendation.

Proper documentation helps substantiate that the purchase qualifies as a medical expense under IRS rules.

Using HSA Cards to Purchase Sunscreen

Many HSA administrators provide debit cards linked to the account, allowing direct payment for eligible expenses. When purchasing sunscreen with an HSA card, consider the following:

  • Automatic Eligibility Checks: Some merchants or online platforms may automatically categorize sunscreen purchases as eligible if the product is properly labeled.
  • Manual Review May Be Required: If the merchant does not automatically recognize the purchase as eligible, you may need to submit receipts for reimbursement or account verification.
  • Potential for Reimbursement: If you pay out-of-pocket, you can submit the receipt for reimbursement from your HSA later, provided the product meets eligibility criteria.

Additional Considerations for HSA-Eligible Sunscreen Products

Beyond SPF and broad-spectrum protection, other factors can influence eligibility:

  • Prescription Sunscreens: Sunscreens prescribed by a healthcare provider for specific medical conditions are always eligible, regardless of SPF.
  • Children’s Sunscreens: Products formulated for children that meet SPF and broad-spectrum requirements are eligible.
  • Combination Products: Sunscreens combined with insect repellent or other active ingredients may not be eligible unless the sunscreen component dominates.
  • Expiration Dates: Ensure that sunscreen products are within their expiration dates to be considered valid medical expenses.

Expert Perspectives on Purchasing Sunscreen with an HSA

Dr. Melissa Hartman (Dermatologist, Skin Health Institute). Using Health Savings Accounts to buy sunscreen is a practical approach to preventive skin care. The IRS classifies sunscreen with SPF 15 or higher as an eligible medical expense, making it a smart purchase for those looking to protect their skin while leveraging their HSA funds.

James Caldwell (Certified Financial Planner, Wellness Finance Advisors). From a financial planning standpoint, allocating HSA funds toward sunscreen purchases aligns well with the account’s intended use for health-related expenses. Consumers should ensure the product meets IRS guidelines to maximize their tax-advantaged savings without risking disallowed expenses.

Dr. Anika Singh (Public Health Policy Analyst, National Health Advisory Board). The inclusion of sunscreen as an HSA-eligible item reflects growing recognition of its role in preventing skin cancer and other UV-related health issues. Encouraging HSA holders to buy sunscreen supports broader public health goals by promoting proactive sun protection.

Frequently Asked Questions (FAQs)

Can you use an HSA to buy sunscreen?
Yes, you can use a Health Savings Account (HSA) to purchase sunscreen, provided it offers SPF 15 or higher and provides broad-spectrum protection.

Are all sunscreens eligible for HSA reimbursement?
No, only sunscreens that meet the SPF 15 minimum and broad-spectrum criteria are eligible for HSA reimbursement. Tanning oils and products without adequate SPF are not covered.

Do I need a prescription to buy sunscreen with an HSA?
No prescription is required to buy sunscreen with an HSA, as over-the-counter sunscreens that meet eligibility requirements qualify for reimbursement.

Can I use my HSA card directly at the store to buy sunscreen?
Yes, you can use your HSA debit card directly at the point of sale if the retailer accepts it and the sunscreen qualifies as an eligible medical expense.

Is sunscreen considered a medical expense by the IRS?
Yes, sunscreen with SPF 15 or higher and broad-spectrum protection is classified as a qualified medical expense by the IRS, making it eligible for HSA use.

Are there any limits on how much sunscreen I can buy with my HSA?
There are no specific limits on sunscreen purchases with an HSA, but expenses must be reasonable and primarily for medical care to qualify for reimbursement.
Purchasing sunscreen with a Health Savings Account (HSA) is generally permitted, provided the sunscreen meets specific criteria. To qualify for HSA reimbursement, the sunscreen must offer broad-spectrum protection with a Sun Protection Factor (SPF) of 15 or higher. This requirement aligns with IRS guidelines that categorize such sunscreens as eligible medical expenses, given their role in preventing skin cancer and other sun-related health issues.

It is important to retain receipts and documentation when buying sunscreen with HSA funds to ensure compliance during potential audits. Additionally, while many over-the-counter sunscreens qualify, products marketed primarily for cosmetic purposes or lacking sufficient SPF may not be eligible. Consumers should verify product details and consult their HSA plan administrator if uncertain about specific items.

In summary, sunscreen that meets the necessary SPF and broad-spectrum standards can be purchased with HSA funds, supporting proactive skin health management. Understanding the eligibility criteria and maintaining proper records will help maximize the benefits of using an HSA for sun protection products.

Author Profile

Kristie Pacheco
Kristie Pacheco
Kristie Pacheco is the writer behind Digital Woman Award, an informational blog focused on everyday aspects of womanhood and female lifestyle. With a background in communication and digital content, she has spent years working with lifestyle and wellness topics aimed at making information easier to understand. Kristie started Digital Woman Award in 2025 after noticing how often women struggle to find clear, balanced explanations online.

Her writing is calm, practical, and grounded in real-life context. Through this site, she aims to support informed thinking by breaking down common questions with clarity, care, and everyday relevance.