Is It HSA/FSA Eligible?
Quick eligibility reference based on IRS guidance
Search thousands of medical expenses based on IRS publications and citations. Learn more
The Problem: HSA/FSA Confusion
IRS rules for qualified medical expenses are complex and constantly changing. Many people leave money on the table or face rejected claims simply because they don't know what's eligible.
of HSA holders leave money unused each year
pages in IRS Publication 502 to read through
of eligible items you might not know about
Our Solution: We've parsed every IRS publication, regulation, and update into a searchable database with instant results and official citations. No more guessing. No more rejected claims. Just confidence in your purchases.
Why Use This Tool?
Search by brand name, generic term, or medical condition. Get results in milliseconds.
No more reading 100-page IRS documents or guessing at checkout. Save time and shop with confidence.
Every result includes citations to IRS Publication 502, 969, and relevant regulations.
Protect yourself from audits with official documentation. Keep detailed records for claim substantiation.
Includes all 2020 CARES Act changes for OTC drugs and menstrual care products.
Unlock thousands of dollars in savings on everyday items you already buy. Use your pre-tax dollars wisely.
Works With All Account Types
Get eligibility information for HSA, FSA, and HRA accounts all in one place
Trusted, Accurate, Up-to-Date
Our data is sourced directly from publicly available IRS publications and updated regularly to reflect the latest tax law changes
Based on IRS Publications
Derived from IRS Publication 502, 969, and CARES Act regulations. Every item is cross-referenced with publicly available IRS sources.
Regular Updates
Updated within 24 hours of IRS announcements. We monitor tax law changes so you don't have to.
Free & Accessible
No account required. No hidden fees. No paywalls. Just instant access to the information you need.
Starting in 2020, you can use your HSA/FSA funds for over-the-counter medications and menstrual care products without a prescription.
How It Works
Search
Type in a product name, brand, or medical service you want to check
Review Results
See eligibility status for HSA, FSA, and HRA accounts with IRS citations
Make Purchases
Shop informed with guidance based on IRS publications and tax law
Educational Resources
Frequently Asked Questions
Yes. All eligibility determinations are based on official IRS publications (502, 969) and federal tax law. We parse these documents and present the information in a searchable format. Every result includes citations to the specific IRS publication and section.
We monitor IRS publications and tax law changes daily. When the IRS releases updates or new guidance, we update our database within 24 hours. Major changes (like the CARES Act) are implemented immediately upon passage.
Plan administrators may have more restrictive rules than the IRS allows. Our tool shows IRS eligibility—the baseline federal rules. Always check with your specific plan administrator for their policies, as they can be more restrictive (but not more permissive) than IRS guidelines.
Our tool provides informational guidance only and is not tax advice. However, the IRS citations we provide can help you substantiate claims if questioned. We recommend keeping receipts and documentation for all HSA/FSA purchases, along with any Letters of Medical Necessity (LMN) if required.
The IRS allows certain expenses only when they're used to treat a specific medical condition. Items like massage therapy, gym memberships, or special foods may be eligible if prescribed by a doctor for a diagnosed condition. A Letter of Medical Necessity documents this medical purpose.
Yes, completely free. No ads, no subscriptions, no data selling. We built this as a public service to help people maximize their healthcare savings. IRS publications are public information—we just make them easier to search and understand.