HSA-Eligible

Is Face Masks (N95, Surgical) HSA-Eligible? (2026)

N95 masks, surgical masks, and KN95 masks are HSA-eligible medical supplies.

Typical Cost

$0.50–$3 per mask (bulk pricing varies)

Details

Medical-grade face masks are HSA-eligible. N95 respirators, KN95 masks, and surgical masks all qualify as medical supplies for preventing disease transmission. The IRS confirmed this during the COVID-19 pandemic. Cloth masks may also qualify if they serve a medical purpose. Stock up during cold/flu season — this is a legit HSA purchase.

Frequently Asked Questions

Are N95 masks HSA-eligible?

Yes. N95 respirators and medical-grade masks are HSA-eligible medical supplies.

Are cloth masks HSA-eligible?

The IRS hasn't explicitly addressed cloth masks. Medical-grade masks (N95, KN95, surgical) are the safest bet.

Related HSA Expenses

Hand Sanitizer

$3–$10 per bottle

First Aid Supplies

$5–$50 per item

Thermometer

$8–$60

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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