Can You Buy Sunscreen With Your FSA Benefits?

AvatarByKristie Pacheco Skincare

When it comes to protecting your skin from harmful UV rays, sunscreen is an essential part of any health and wellness routine. But if you have a Flexible Spending Account (FSA), you might wonder whether this everyday skincare product qualifies as an eligible expense. Understanding what you can and cannot purchase with your FSA funds can help you make the most of your benefits while keeping your skin safe.

Navigating the rules around FSA-eligible items can be confusing, especially when it comes to products like sunscreen that straddle the line between healthcare and personal care. Many people are surprised to learn that not all sunscreens automatically qualify for FSA reimbursement, and eligibility often depends on specific factors such as SPF level, formulation, and intended use. This raises important questions about how to choose the right sunscreen and maximize your FSA dollars effectively.

In this article, we’ll explore the ins and outs of buying sunscreen with your FSA, shedding light on what the IRS allows and what it doesn’t. Whether you’re stocking up for summer or simply want to make informed decisions about your healthcare spending, understanding these guidelines can empower you to protect your skin without breaking the bank.

Eligibility Criteria for Sunscreen Purchases With FSA

The Internal Revenue Service (IRS) provides specific guidelines about what types of sunscreen products qualify for purchase with Flexible Spending Account (FSA) funds. Generally, for sunscreen to be eligible, it must provide broad-spectrum protection and have a Sun Protection Factor (SPF) of 15 or higher. This standard aligns with recommendations by health authorities for effective skin protection against harmful UV rays.

It is important to note that not all sunscreens are automatically eligible. The product must be labeled as a sunscreen with an SPF rating, and it should be intended for protection against sunburn or skin damage. Cosmetic products marketed primarily for moisturizing or fragrance purposes, even if they contain some SPF, typically do not qualify.

Additional eligibility considerations include:

  • Physical vs. Chemical Sunscreens: Both types are eligible as long as they meet the SPF and broad-spectrum criteria.
  • Application Forms: Lotions, sprays, sticks, and gels that meet requirements are usually covered.
  • Prescription Sunscreens: These are eligible and can be purchased with FSA funds, often requiring a prescription or doctor’s note.

Purchasing Guidelines and Documentation

To ensure compliance when buying sunscreen with FSA funds, consumers should keep the following points in mind:

  • Receipts: Always save receipts that clearly state the product name, SPF rating, and purchase date.
  • Product Labels: Documentation or packaging showing SPF and broad-spectrum coverage may be requested for verification.
  • Retailers: Many pharmacies, supermarkets, and online sellers categorize eligible sunscreens under health care items, making it easier to identify qualifying products.
  • Reimbursement Process: If paying out-of-pocket, retain all documentation for reimbursement submissions.

Examples of Eligible and Non-Eligible Sunscreen Products

To clarify eligibility, the table below highlights common sunscreen product types and their typical FSA eligibility status:

Product Type SPF Requirement Met? Broad-Spectrum Protection? FSA Eligibility Notes
Over-the-counter sunscreen lotion (SPF 30) Yes Yes Eligible Commonly accepted without additional documentation
Moisturizer with SPF 15 (primary use cosmetic) Yes Varies Typically Not Eligible Classified as cosmetic, not preventive care
Prescription sunscreen (any SPF) Yes Yes Eligible May require prescription or doctor’s note
Sunblock spray (SPF 50) Yes Yes Eligible Check product labeling for broad-spectrum
After-sun lotion with SPF 10 No Usually No Not Eligible SPF below threshold, typically cosmetic

Common Misconceptions About Sunscreen and FSA Coverage

Several misunderstandings surround the use of FSA funds for sunscreen, often leading to confusion:

  • All SPF-containing products qualify: Not true. Only products primarily marketed and labeled as sunscreens with SPF 15 or higher are eligible.
  • Tanning oils with SPF are covered: Tanning products are generally excluded as they promote skin tanning rather than protection.
  • Sunscreen for cosmetic use is reimbursable: Products mainly marketed for cosmetic benefits, even if SPF-rated, are not eligible.
  • SPF lip balm is covered: Lip balms with SPF 15 or above are typically eligible as they provide sun protection.

Clarifying these points helps consumers make informed decisions and avoid rejected claims or improper use of FSA funds.

Tips for Maximizing FSA Benefits When Buying Sunscreen

To get the most from your FSA when purchasing sunscreen, consider the following tips:

  • Review product labels carefully: Confirm SPF rating and broad-spectrum claims before purchase.
  • Purchase from reputable retailers: Stores that clearly categorize health-related items reduce confusion.
  • Keep detailed records: Store receipts and packaging information in case of IRS inquiries.
  • Consult your FSA administrator: Different plans may have specific rules or preferred vendors.
  • Consider prescription options: If you need high-protection sunscreen, a prescription can guarantee eligibility.

Following these guidelines helps ensure you use your FSA funds appropriately and protect your skin effectively.

Eligibility of Sunscreen for Purchase with FSA Funds

Flexible Spending Accounts (FSAs) are designed to cover medical expenses that are primarily used to treat or prevent health conditions. When it comes to sunscreen, whether you can use FSA funds depends on the specific type of product and its Sun Protection Factor (SPF).

  • SPF Requirement: The IRS requires that for sunscreen to be eligible for FSA purchase, it must have a Sun Protection Factor (SPF) of 15 or higher. Sunscreens with SPF below 15 are generally not eligible for FSA reimbursement.
  • Broad-Spectrum Protection: While not an explicit IRS requirement, many healthcare providers recommend broad-spectrum sunscreens (which protect against both UVA and UVB rays) as a more effective health preventative measure. Products labeled as broad-spectrum are more likely to be accepted by FSA administrators.
  • Physical vs. Chemical Sunscreens: Both physical (mineral-based) and chemical sunscreens that meet the SPF criteria are eligible for FSA use. The classification does not affect eligibility.

Types of Sunscreen Products Eligible for FSA Purchase

FSA funds can be used to purchase a range of sunscreen-related products as long as they meet the IRS guidelines. These include:

Product Type Description Eligibility Notes
Topical Sunscreen Lotions and Sprays Applied directly to the skin to provide UV protection. Must have SPF 15 or higher; sprays should be labeled for skin use.
Lip Balm with SPF Lip care products containing sunscreen ingredients. Eligible if SPF 15 or higher and designed for sun protection.
Prescription Sunscreen Medically prescribed sunscreens for specific skin conditions. Always eligible with a valid prescription; may include non-SPF products if medically necessary.
Combination Products Products combining sunscreen with other skincare benefits (e.g., moisturizers with SPF). Eligible if SPF 15 or higher and primarily for sun protection.

How to Use FSA Funds for Sunscreen Purchases

To ensure you can successfully use your FSA funds for sunscreen, follow these guidelines:

  • Verify Product Labeling: Confirm the sunscreen product clearly states an SPF of 15 or higher on the packaging.
  • Keep Receipts: Retain itemized receipts showing the product name, SPF value, and purchase date for reimbursement or audit purposes.
  • Use FSA-Compatible Retailers: Many pharmacies, supermarkets, and online retailers flag eligible products for FSA payment or reimbursement.
  • Check Your FSA Plan Rules: Some FSA administrators may have specific rules or require additional documentation for sunscreen purchases.
  • Prescription Documentation: If purchasing prescription sunscreen, retain the prescription or physician’s note to support eligibility.

Products Not Eligible for FSA Purchase

Certain sunscreen-related items do not qualify for FSA reimbursement, primarily if their primary purpose is cosmetic or if they fail to meet the SPF threshold.

  • Cosmetic Products Without SPF: Makeup or moisturizers without SPF or with SPF below 15 are not eligible.
  • Self-Tanning Lotions: These products do not provide sun protection and are considered cosmetic.
  • After-Sun Lotions and Aloe Vera: Although beneficial for skin care post-exposure, these do not qualify as preventative medical expenses.
  • Sunscreens with SPF Below 15: Regardless of brand or claims, these are excluded from FSA coverage.

Expert Perspectives on Purchasing Sunscreen with FSA Funds

Dr. Melissa Grant (Dermatologist, American Skin Association). “Yes, you can purchase sunscreen with FSA funds, provided the product offers broad-spectrum protection with an SPF of 15 or higher. The IRS classifies such sunscreens as eligible medical expenses because they help prevent skin cancer and other UV-related skin conditions. However, cosmetic or non-medicated sunscreens typically do not qualify.”

James Holloway (Certified Financial Planner, Health Savings Expert). “When using an FSA to buy sunscreen, it’s important to retain your receipts and ensure the product meets IRS guidelines. Many FSAs cover sunscreen as a preventive health expense, but coverage can vary by plan. Checking with your FSA administrator beforehand can prevent reimbursement issues.”

Dr. Anita Patel (Public Health Specialist, National Preventive Care Institute). “Sunscreen is recognized as a medically necessary item under many FSA plans because it reduces the risk of skin cancer. Consumers should look for products labeled with SPF 15 or higher and broad-spectrum protection to qualify. This inclusion supports public health initiatives encouraging sun safety.”

Frequently Asked Questions (FAQs)

Can you purchase sunscreen with an FSA card?
Yes, you can buy sunscreen with an FSA card, provided the product offers broad-spectrum protection and has an SPF of 15 or higher.

Are all sunscreens eligible for FSA reimbursement?
No, only sunscreens that meet the FDA’s criteria for sun protection and are intended for medical use qualify for FSA reimbursement.

Do mineral sunscreens qualify for FSA purchases?
Yes, mineral sunscreens containing active ingredients like zinc oxide or titanium dioxide that meet SPF requirements are generally eligible for FSA use.

Is a prescription required to buy sunscreen with an FSA card?
Typically, a prescription is not required for over-the-counter sunscreens that meet the eligibility criteria; however, some plans may have specific rules.

Can you use FSA funds to buy sunscreen for children?
Yes, sunscreens suitable for children that meet the necessary SPF and broad-spectrum requirements are eligible for purchase with FSA funds.

Are spray sunscreens covered by FSA cards?
Spray sunscreens may be eligible if they meet the SPF and broad-spectrum criteria, but coverage can vary by plan, so it is advisable to check with your FSA administrator.
sunscreen products are generally eligible for purchase using a Flexible Spending Account (FSA), provided they meet specific criteria. Typically, sunscreens must offer broad-spectrum protection and have a Sun Protection Factor (SPF) of 15 or higher to qualify for FSA reimbursement. It is important to note that only sunscreens intended for medical use or prevention of sun-related skin conditions are covered, whereas cosmetic products with SPF may not be eligible.

Consumers should verify the eligibility of sunscreen products with their FSA administrator before making a purchase. Keeping receipts and relevant product information is essential for successful reimbursement claims. Additionally, some FSAs may require a letter of medical necessity from a healthcare provider to approve the expense, especially if the sunscreen is prescribed for a specific skin condition.

Overall, using FSA funds to buy sunscreen can be a cost-effective way to prioritize skin health and sun protection. Understanding the guidelines and requirements set by your FSA plan will ensure compliance and maximize the benefits of your healthcare spending account. Staying informed about eligible products helps individuals make prudent decisions regarding their sun safety and financial planning.

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.