HSA-Eligible

Is Sunscreen HSA-Eligible? (2026)

Sunscreen with SPF 15+ is HSA-eligible since the CARES Act.

Typical Cost

$8–$30 per bottle

Details

Since the CARES Act of 2020, sunscreen products with SPF 15 or higher are HSA-eligible without a prescription. This includes sunscreen lotions, sprays, sticks, and lip balms with SPF. The sunscreen must be primarily for sun protection, not cosmetic products that happen to include SPF.

Frequently Asked Questions

Is sunscreen HSA-eligible?

Yes. Sunscreen with SPF 15+ is eligible since the CARES Act of 2020.

Is SPF lip balm HSA-eligible?

Yes. Lip balm with SPF 15 or higher qualifies as an HSA-eligible expense.

Related HSA Expenses

Over-the-Counter Medications

$5–$30 per item

First Aid Supplies

$5–$50 per item

Dermatologist

$100–$400 per visit

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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