Can I Buy Tissues With My Health Savings Account?

A Health Savings Account (HSA) provides a valuable tax-advantaged way to save and pay for qualified medical expenses. This account is designed for individuals enrolled in a high-deductible health plan (HDHP), allowing contributions to grow tax-free and withdrawals for eligible medical costs to be tax-free. Understanding the eligibility rules for HSA purchases is important.

Understanding HSA Eligible Expenses

The IRS defines “eligible medical expenses” for HSA purposes in Publication 502. These expenses must primarily be for the diagnosis, cure, mitigation, treatment, or prevention of disease, or for affecting any structure or function of the body. This broad definition guides what can be purchased using HSA funds. Equipment, supplies, and diagnostic devices for these medical purposes are generally included.

It is important to understand that expenses for general health, hygiene, or items merely beneficial to overall well-being are not eligible. Medical care expenses must primarily alleviate or prevent a physical or mental disability or illness. Expenses that do not directly address a medical condition, even if they contribute to comfort, fall outside these guidelines.

Tissues and General Health Items

Tissues are generally not considered an eligible medical expense for HSA reimbursement. They are categorized as general hygiene or comfort items, similar to items like toiletries, and are not primarily used for the treatment or prevention of a specific disease. The use of tissues often relates to general comfort, such as managing a runny nose, rather than a medical intervention.

While tissues might be used when someone is sick, their primary purpose is not medicinal. Products that offer only general wellness benefits, without a direct link to diagnosing, treating, or preventing a specific illness, are typically excluded from HSA eligibility.

Common Eligible Over-the-Counter Products

Despite tissues not being eligible, many common over-the-counter (OTC) products are eligible for HSA reimbursement without requiring a prescription. This expanded eligibility allows individuals to use their HSA funds for a wider range of immediate health needs.

Eligible OTC products include:
Pain relievers like acetaminophen and ibuprofen
Cold and flu medications, allergy medications, and stomach remedies
First aid supplies, such as bandages and antiseptic wipes
Certain diagnostic kits, like blood pressure monitors or glucose meters
Menstrual care products, including tampons and pads