10 surprising expenses employees can pay for with their HSAs: A guide for employers

Health Savings Accounts (HSAs) are a powerful tool for employees to manage healthcare costs, but many don’t realize just how flexible these accounts can be. As an employer, helping your team understand the full scope of HSA-eligible expenses can dramatically improve benefit utilization, boost employee satisfaction, and reinforce your commitment to holistic wellness. Empower your workforce today by educating them about the many unexpected items eligible for HSA spending.  

10 surprising HSA-eligible expenses 

These everyday wellness products are HSA-approved and often overlooked: 

1. Sunscreen – Not just for beach days; it’s a preventive health essential (must have an SPF of 15 or higher to be eligible). 

2. Lip balm with SPF– Especially those with SPF or medicated formulas (must have an SPF of 15 or higher to be eligible). 

3. Pimple patches – Effective acne treatment that qualifies as medical care. 

4. Menstrual care products – Tampons, pads, and menstrual cups are covered. 

5. LED acne treatment devices – High-tech skincare with therapeutic value. 

6. Digital/wearable health trackers – Devices that monitor health metrics. 

7. Medicated shower vapor tablets – Help relieve congestion and respiratory symptoms. 

8. Weighted massaging/heating pads – Aid in pain relief. and relaxation. 

9. Massage guns – Popular for pain relief. 

10. Sinus irrigation kits – Useful for allergy and sinus care. 

Bonus eligible items include thermometers, electrolyte drink mix pouches, band-aids, heated foam rollers, foot massagers, blood pressure monitors, acne foaming cleansers, and ear wax removal systems. Please note that some items in the list above must be medically necessary to be reimbursed tax-free from an HSA. When employees understand the full range of HSA-eligible items, they’re more likely to use their accounts proactively and feel supported in their health journey. For employers, this means better engagement, smarter healthcare spending, and a more appreciated benefits package. Sharing these surprising examples is a simple yet impactful way to help your employees get the most out of their HSA because wellness goes far beyond the doctor’s office. 

Via Benefits is here to help you navigate these options and make the most of your HSAs and spending accounts. Our team is committed to providing support, guidance, and resources, ensuring your employees feel confident in their healthcare decisions.