HSA-Eligible

Is Saline Nasal Spray HSA-Eligible? (2026)

Saline nasal spray and nasal rinses are HSA-eligible OTC products.

Typical Cost

$5–$20

Details

Saline nasal sprays, nasal mist, neti pots, and nasal rinse kits (like NeilMed Sinus Rinse) are all HSA-eligible. They're used for allergies, sinusitis, congestion, and general nasal hygiene. Medicated nasal sprays (Flonase, Afrin, etc.) are also eligible as OTC medications since the CARES Act.

Frequently Asked Questions

Is saline nasal spray HSA-eligible?

Yes. Saline nasal sprays and rinse kits are HSA-eligible medical supplies.

Is Flonase HSA-eligible?

Yes. OTC nasal steroids like Flonase and Nasacort are eligible since the CARES Act.

Is a neti pot HSA-eligible?

Yes. Neti pots and saline rinse kits are qualified medical expenses.

Related HSA Expenses

Over-the-Counter Medications

$5–$30 per item

Flu & Cold Medicine

$5–$20 per product

Humidifier

$30–$200

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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