Yes, you can use your healthcare FSA to pay for many over-the-counter (OTC) items—and thanks to a recent change in the law, you no longer need a prescription for most of them.
Under the CARES Act, passed in 2020, the list of eligible OTC items was expanded to include products like:
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Pain relievers (e.g., ibuprofen, acetaminophen)
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Cold and flu medications
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Allergy medications
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Antacids and digestive aids
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Menstrual care products (e.g., pads, tampons, menstrual cups)
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First aid supplies (e.g., bandages, antiseptics, gauze)
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Thermometers and pulse oximeters
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Sunscreen (SPF 15 or higher)
You can usually use your FSA debit card at the pharmacy or retailer to pay directly, as long as the store’s system recognizes the item as eligible. Just be sure to keep your receipts in case your FSA administrator asks for documentation later.
Pro tip: Some FSA administrators provide an online store or app with a searchable list of eligible OTC products, making it easier to shop with confidence.