HSA-Eligible OTC Medications

The CARES Act of 2020 made nearly all over-the-counter medications HSA-eligible without a prescription — pain relievers, allergy medication, antacids, cold and cough remedies, and many more.

40fully eligible
17eligible with LMN
7not eligible

HSA Eligible Fully HSA-eligible

Eligible with LMN Eligible with a Letter of Medical Necessity

Not Eligible Not HSA-eligible

Make these expenses pay you back

Every otc medication expense you pay out of pocket and document is a future tax-free withdrawal waiting to happen. Use the HSA ROI Calculator to see how much your HSA could grow if you reimburse yourself decades from now instead.

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