The Lively Blog



Stay up to date on the latest news delivered straight to your inbox

Using your FSA or HSA for At Home Wellness

Lauren Hargrave · May 5, 2020 · 3 min read


The U.S. health system typically treats sickness and leaves the responsibility of maintaining wellness on the individual. While your health insurance isn’t likely to pay for that yoga retreat, you can use your FSA and HSA to pay for other wellness products like acupressure pads, allergy medication, and other items that will help keep you out of the doctor’s office. You can always search a full list of eligble expenses on Lively's website and purchase items directly from the or

What you can buy with your FSA or HSA

Household basics

Every household should have these basic wellness items. Due to the CARES act, signed into law on March 27, 2020, you can now use your FSA and HSA money to pay for over-the-counter medications without a prescription.

  • First aid kits

  • Ibuprofen

  • Tylenol

  • Thermometer

  • Band-aids

  • Hydrogen Peroxide

  • Sunscreen

Menstrual care

The CARES act also added menstrual care to the list of qualified medical expenses for which you can use your FSA and HSA contributions. These items include:

  • Tampons

  • Liners

  • Cups

  • Sponges

Baby items

If you have a little one at home, you’ll be pleased to know that some of the supplies you’re stocking up on are eligible for reimbursement through your FSA or HSA, including:

  • Infant and Kids’ Tylenol

  • Infant and Kids’ Motrin

  • Gripe water

  • Gas drops

  • Pedialyte

  • Diaper rash ointment

  • Eczema treatment

  • Potty training underwear and pullups

Stress relief

Can’t get in to see your acupuncturist, massage therapist, chiropractor or get a pedicure? Don’t worry, you can use your FSA and HSA money on home treatments like these to tide you over:

  • Cooling eye masks

  • Acupressure mats and pillows

  • Massage guns

  • Home pedicure kits: heated bubbling foot spas; foot massagers; foot buffers, scrubs and creams, nail files and clippers; and cuticle trimmers.

  • Heated blankets

  • Neck pillows

Minor injuries

You can also use HSA and FSA money to buy supports for minor injuries like:

  • Ankle, knee, back and wrist braces

  • Crutches

  • Cold packs

  • Compression socks

Seasonal relief

Irritated by allergies? These at-home treatments are considered qualified medical expenses:

  • Allergy medicine

  • Humidifiers

  • Steamers

  • Air purifiers

Important Note:

Reimbursement for some of these products requires a Letter of Medical Necessity from your healthcare provider. They must be used to treat, diagnose, mitigate, or cure a medical condition or disease to be eligible for HSA or FSA purchases. You can also search for eligible items.

How You Can Purchase FSA/HSA Eligible Items

You can use your FSA and HSA contributions to pay for home wellness just as you would use them to pay for more traditional medical expenses. That means, if your HSA or FSA administrator offers you direct access to your funds via a debit card, you can use it to pay for these expenses at the point-of-sale. If your administrator requires you to pay for the expenses first, then submit documentation for reimbursement, you’ll have to follow that process.

Just be sure whatever you buy is considered a qualified medical expense. Otherwise, you will not only get stuck with the bill, but there’s also a chance you’ll have to pay an additional penalty on top of it.

Maintaining wellness at home is one of the best ways to stay out of the doctor’s office. Luckily, you can use your FSA and HSA money to do it. If you have any questions about specific treatments or products, reach out to your FSA or HSA administrator to ensure they’re considered a qualified medical expense.

Lauren Hargrave

Lauren Hargrave

Lauren Hargrave is a writer from San Francisco who focuses on technology, finance and wellness. She follows comedians like most people follow bands and believes an outdoor sweat session can cure almost any bad mood. She’s also been writing her first novel for so long, her mom doesn’t ask about it anymore.

piggy bank on pink background


2024 and 2025 HSA Maximum Contribution Limits

Lively · May 9, 2024 · 3 min read

On May 9, 2024 the Internal Revenue Service announced the HSA contribution limits for 2025. For 2025 HSA-eligible account holders are allowed to contribute: $4,300 for individual coverage and $8,500 for family coverage. If you are 55 years or older, you’re still eligible to contribute an extra $1,000 catch-up contribution.

comparing hsa versus fsa


What is the Difference Between a Flexible Spending Account and a Health Savings Account?

Lauren Hargrave · February 9, 2024 · 12 min read

A Health Savings Account (HSA) and Healthcare Flexible Spending Account (FSA) provide up to 30% savings on out-of-pocket healthcare expenses. That’s good news. Except you can’t contribute to an HSA and Healthcare FSA at the same time. So what if your employer offers both benefits? How do you choose which account type is best for you? Let’s explore the advantages of each to help you decide which wins in HSA vs FSA.

Benefits of HSA employer matching

Health Savings Accounts

Ways Health Savings Account Matching Benefits Employers

Lauren Hargrave · October 13, 2023 · 7 min read

Employers need employees to adopt and engage with their benefits and one way to encourage employees to adopt and contribute to (i.e. engage with) an HSA, is for employers to match employees’ contributions.

Disclaimer: the content presented in this article are for informational purposes only, and is not, and must not be considered tax, investment, legal, accounting or financial planning advice, nor a recommendation as to a specific course of action. Investors should consult all available information, including fund prospectuses, and consult with appropriate tax, investment, accounting, legal, and accounting professionals, as appropriate, before making any investment or utilizing any financial planning strategy.



Stay up to date on the latest news delivered straight to your inbox