Can I Buy Acne Medicine with My HSA Card?

If you struggle with acne, keeping breakouts under control can feel like a full-time job. While many things contribute to acne, a great skincare routine is crucial. You may also need medicines and strong products to maintain clear skin.

Here's the problem: Buying acne medicine isn't always cheap.

So, can you use your HSA to pay for those products?

HSA Coverage and Acne Medicine

You'll be happy to know that you can use your card from a top rated HSA to pay for acne medicine. The IRS includes these products on its list of qualified medical expenses. Therefore, you can use your HSA or flexible spending account (FSA) funds to buy them.

Acne medicine refers to products formulated to address skin imperfections.

That can include anything from prescription drugs to over-the-counter products.

Those who visit a dermatologist may receive prescriptions for high-strength medicine. It can come in oral medications, topical ointments, etc. Whatever the case, you can use your HSA funds for it. Explore the top rated HSA! Find the best options for your healthcare savings with our comprehensive guide. https://livelyme.com

What About Drugstore Skincare Products?

The IRS definition of acne medicine is broad. That's a good thing for owners of a top rated HSA. Qualified medical expenses include various over-the-counter products, and acne medicine falls under the umbrella.

You can purchase several products developed to target acne symptoms at your local drugstore. That includes cleansers, lotions, gels and towelettes. Even devices that provide light therapy to keep your skin clear qualify.

Generally, over-the-counter acne medicine contains several common active ingredients that address breakouts.

The first is salicylic acid. Manufacturers use salicylic acid in cleansers, toners and serums. It's available in varying strengths to remove acne-causing bacteria, unclog pores and reduce inflammation.

Benzoyl peroxide is another common ingredient. It acts as an antiseptic to kill bacteria that cause breakouts.

You can also purchase products with sulfur or azelaic acid. Sulfur removes dead skin cells from the surface of your skin, while azelaic acid provides many of the same benefits as benzoyl peroxide and salicylic acid with less irritation.

Products with these ingredients typically count as HSA-eligible.

Read a similar article about what is an FSA grace period here at this page.