FSA & HSA-Approved Products — Shop Online

Approved FSA purchases are qualified medical expenses allowed under IRS rules and your employer’s Flexible Spending Account plan. Common examples can include eligible medical supplies, certain over-the-counter medicines, menstrual care products, and other health-related items. Eligibility is not identical for every item or plan, so review product details, save receipts, and check your plan administrator’s rules before purchasing.

Many qualified medical products can be eligible under both an FSA and an HSA, but the accounts operate differently. An FSA is generally employer-sponsored and may have annual contribution or spending deadlines. An HSA is available only with qualifying high-deductible health coverage and is individually owned. Always confirm your account’s terms and the item’s eligibility before using funds.

Online checkout may allow payment with an FSA or HSA card when the retailer and payment processor support benefit-card transactions. If the card is not accepted, you may be able to pay another way and submit documentation for reimbursement through your account administrator. Keep itemized receipts and eligibility records, since administrators may request proof of a qualified expense.

A prescription is not required for many common FSA- and HSA-eligible health products, including numerous over-the-counter medicines and menstrual care products. Some expenses, however, may require a prescription or a letter of medical necessity to qualify. Requirements depend on the item, the purpose of use, IRS guidance, and your individual plan’s administration rules.

A healthcare FSA and a Dependent Care FSA are different accounts with different eligible expenses. Dependent Care FSA funds are generally intended for qualifying care that enables you and, if applicable, your spouse to work or seek work. Helpr’s DCFSA Integrated Payments tool helps families apply available dependent care benefits to eligible care arrangements within the app.

Keep an itemized receipt showing the purchase date, merchant, product or service, and amount paid. For expenses that require additional substantiation, retain prescriptions, letters of medical necessity, or benefit statements as applicable. These records can support reimbursement requests and help resolve questions from your FSA or HSA administrator about whether an expense qualifies.

Many FSA plans have a use-it-or-lose-it structure, but employers may offer a grace period, a limited carryover amount, or neither option. The exact deadline and available balance rules are set by your employer’s plan. Review your plan documents before year-end so you understand when eligible expenses must be incurred and when claims must be submitted.

Return policies are set by the seller, but benefit account records should reflect the final amount you paid. If an eligible item is returned after you used FSA or HSA funds, follow the retailer’s refund process and notify your account administrator if required. Do not use refunded benefit funds for unrelated purchases; account rules and substantiation requirements still apply.