Can You Use an FSA to Buy Sunscreen?

A Flexible Spending Account (FSA) allows you to set aside pre-tax dollars for healthcare expenses, reducing your taxable income. These funds can then be used for a variety of eligible medical costs. A common question among account holders concerns the eligibility of everyday items, such as sunscreen, for FSA reimbursement. This article clarifies the conditions under which sunscreen and other sun protection products can be purchased using your FSA.

Sunscreen Eligibility

Sunscreen can be an eligible expense for Flexible Spending Accounts, provided it meets IRS criteria. The product must be primarily for medical care, focusing on preventing disease or protecting against sun-related damage like skin cancer. Cosmetic sunscreens or those primarily for tanning are not eligible.

Sunscreen must have a minimum Sun Protection Factor (SPF) of 15 or higher and offer broad-spectrum protection against both UVA and UVB rays. An SPF of 15 or higher with broad-spectrum coverage is widely accepted for FSA eligibility.

Since January 1, 2020, over-the-counter (OTC) medications and products, including sunscreen, became eligible for FSA reimbursement without a prescription. This change broadened the scope of eligible items, making it easier to use FSA funds for preventive health measures like sunscreen.

Purchasing and Reimbursement

Using your FSA to purchase eligible sunscreen involves one of two methods: using an FSA debit card directly or submitting a claim for reimbursement. Many FSA plans issue a debit card linked to your account, which can be used at the point of sale. When using this card, the purchase amount is automatically deducted from your FSA balance.

If you pay out-of-pocket for eligible sunscreen, you can submit a claim to your FSA administrator for reimbursement. This requires saving itemized receipts that clearly show the product, date, and cost. For sunscreen, the receipt or packaging must indicate the SPF level to confirm eligibility. A Letter of Medical Necessity (LOMN) is not required for standard SPF 15+ broad-spectrum sunscreen. Always confirm specific requirements with your FSA plan administrator, as individual plan rules can vary.

Other Sun Protection and Related Items

Beyond sunscreen, eligibility for other sun-related items varies depending on their primary purpose and medical necessity. Prescription sunglasses are eligible because they correct vision and protect eyes from harmful UV rays. This also includes lens coatings like polarization when added to prescription sunglass lenses.

Non-prescription sunglasses are not FSA-eligible unless medically necessary, requiring a medical practitioner’s note. Cosmetic products with SPF are not eligible unless their primary function is medical, such as treating a specific skin condition. Sun-protective clothing is not eligible if used for general health. However, if specifically prescribed by a licensed medical provider to treat a medical condition, a portion of its cost may qualify. Always consult your FSA plan administrator for guidance on item eligibility.