HSA-Eligible

Is Diaper Cream HSA-Eligible? (2026)

Medicated diaper cream and diaper rash ointment are HSA-eligible OTC treatments.

Typical Cost

$5–$15 per tube

Details

Medicated diaper creams containing active ingredients (zinc oxide, petrolatum, etc.) are HSA-eligible as OTC treatments since the CARES Act. Popular brands like Desitin, Boudreaux's Butt Paste, and Aquaphor Baby Healing Ointment qualify. The product needs to have a Drug Facts label — that's how you know it's classified as an OTC medicine vs. a regular skin cream.

Frequently Asked Questions

Is Desitin HSA-eligible?

Yes. Desitin and other medicated diaper creams with active ingredients are eligible OTC medications.

How do I know if a diaper cream qualifies?

Check for a Drug Facts label on the packaging. If it has one, it's classified as an OTC medicine and is HSA-eligible.

Related HSA Expenses

Over-the-Counter Medications

$5–$30 per item

Anti-Itch Cream

$5–$15 per tube/bottle

Wound Care Supplies

$5–$30 per product

More HSA Resources

2026 HSA Contribution Limits

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HSA Tax Benefits by State

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All Eligible Expenses

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