- Amazon has an FSA/HSA store where you can buy medical items and personal care items using your pre-tax HSA and FSA funds.
- Below, you can find out more about how it works, the categories included, and some eligible items.
You probably already know that you can use Amazon to order groceries online and stream TV shows, but you may have overlooked its FSA/HSA store where you can pay with your FSA or HSA cards at checkout.
Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) are health benefit accounts that let users contribute a portion of pre-tax money from their salary to an account that covers medical expenses they'd otherwise need to pay for out-of-pocket.
It's also worth noting that HSA funds don't have an expiration date, though FSA funds do typically expire in December or mid-March the year after they're accrued. The COVID relief bill, however, extends that deadline by a year.
You can also use some Health Reimbursement Arrangements (HRAs) on Amazon, though they all have different eligibility and rules so you'll want to check with your plan or employer first.
What you can buy in Amazon's FSA/HSA Store
Like the rest of Amazon, the FSA and HSA Store has a bevy of products available.
Your HSA/FSA funds can be used to buy everything from traditional medical supplies to personal care items, including blood pressure monitors, condoms, contact lens solution, wet wipes, air purifiers, multivitamins, antacids, band-aids, supplements, and more. You can even buy skincare like Neutrogena's Ultra Sheer Sunscreen and Blistex lip balm. The shop also recently added tampons (newly covered as part of 2020's CARES act) and over-the-counter medications like Tylenol. You can find the full list of categories to shop here.
If you're using an FSA plan, make sure to order so that the item is shipped before your funds expire; Amazon only charges your card once the item is shipped. If you place an order and your funds expire before it ships, you'll be out of luck. And, should you need to return something, your refund will go back to your HSA/FSA card.
We've also rounded up a few of the items you might be surprised to know you could be purchasing with your HSA/FSA funds, like cult-favorite sunscreens and acne treatments, which you'll find below.
10 products you can buy with your FSA/HSA money on Amazon
This moisturizer includes broad-spectrum UVA/UVB protection and is safe for sensitive skin. It's supposed to deliver 24-hour hydration, it can be worn underneath makeup, and it contains Mexoryl SX — the only new sun filter to be approved by the FDA in the last 20 years.
Clean & Clear's Dual Action face moisturizer is both a moisturizer and acne treatment. It's oil-free and includes salicylic acid to help treat and prevent pimples.
Tampons are newly eligible for HSA/FSA funds. These Playtex Sport tampons have a comfortable, contoured applicator, and come with 25 regular and 25 super options.
Biotrue's contact lens solution claims to match the pH of healthy tears and hydrate contacts for up to 20 hours.
Neutrogena's Ultra Sheer Dry-Touch sunscreen is noncomedogenic, lightweight, and water-resistant. It contains SPF 70, and dries down quickly without leaving a greasy residue.
This tinted sunscreen has SPF 30 and includes what the company describes as a "universal tint for all skin tones" that imparts a healthy glow and offsets the white-cast that's traditionally expected from mineral sunscreens. Three essential ceramides in the formula help to restore the skin's natural barrier.
The Effaclar is an oil- and fragrance-free medicated acne face wash with 2% salicylic acid. It targets excess oil and helps clear breakouts. An exclusive micro-exfoliating Lipo-Hydroxy Acid (LHA) helps target oily areas on the skin's surface and remove debris and dirt from cells.
This includes three medicated Blistex lip balms that seal in moisture on chapped lips and contain SPF 15 to protect against sunburns.
Neutrogena's breakout face wash includes salicylic acid to clean and deeply exfoliate the pores to prevent and treat acne. It also contains exfoliants that dissolve dirt, oil, and other impurities to unclog pores and better deliver the salicylic acid.
If you’re looking for a sunscreen and makeup primer in one, this 100% invisible product does double duty — better yet, it’s suitable for all skin types thanks to the hydrating, fragrance-free, and oil-free formula. As an added bonus, it not only shields the skin from UVA, UVB, and IRA rays, but it also helps to filter out blue light from your devices.
