HSA/FSA Eligible Home & Personal Care

Yes, many home health products may be HSA/FSA eligible. Some everyday essentials, like first aid supplies, sunscreen, reading glasses, and hearing aids, are commonly eligible on their own. Others, like air purifiers, water filters, shower filters, and humidifiers, may be HSA/FSA eligible for qualified customers when accompanied by a Letter of Medical Necessity (LMN).

Conditions that may support medical necessity for home and personal care products commonly include asthma, allergies, COPD, chronic sinusitis, eczema, psoriasis, and other respiratory or skin conditions affected by your home environment.

These products are also commonly recommended for people managing diagnosed conditions where air or water quality may affect symptoms. General preferences for cleaner air or water without an underlying condition do not, on their own, meet the IRS standard for HSA/FSA eligibility.

Yes, air purifiers may be HSA/FSA eligible for qualified customers when supported by a Letter of Medical Necessity. Air purifiers are commonly recommended for diagnosed conditions like asthma, allergies, COPD, and other respiratory conditions, with the qualification process built directly into checkout for qualified customers.

Yes, water filters and shower filters may be HSA/FSA eligible for qualified customers when a licensed clinician determines the product is medically necessary for your specific health situation. Shower filters are commonly recommended for diagnosed skin conditions like eczema and psoriasis, while drinking water filters may be recommended for conditions where water quality affects your health.

Qualified customers save an average of about 30% when paying with pre-tax HSA/FSA dollars instead of post-tax money. Actual savings vary based on your individual tax rate. For example, on a $500 air purifier, a 30% effective savings rate works out to roughly $150 back in your pocket compared to paying with a regular debit or credit card. For products with recurring costs, like replacement filters, the annual savings can add up significantly. HSA/FSA tax savings vary; learn more at truemed.com/disclosures.