Apple’s latest AirPods Pro have officially been classified as hearing aids by the FDA, marking a significant development in how consumer tech can assist with diagnosing or supporting health ailments. According to a recent NPR report, the FDA approved Apple’s new “Hearing Aid Feature,” which will amplify sounds for individuals with perceived mild to moderate hearing impairment. This feature, set to roll out via a free software update this fall, will only work with AirPods Pro 2 and iOS 18-compatible iPhones or iPads, and is intended for adults 18 years and older.
This FDA classification could potentially make the AirPods Pro eligible for purchase using tax-advantaged FSA (Flexible Spending Account) or HSA (Health Savings Account) funds, though official confirmation is still pending. FDA classification doesn’t automatically mean eligible for FSAs and HSAs as the IRS has a different view on what items are eligible for tax-advantaged spending.
What Are FSAs and HSAs?
FSAs and HSAs are tax-advantaged accounts that allow individuals to set aside pre-tax income for qualified medical expenses, offering a way to save on healthcare costs. Here’s a brief overview:
Flexible Spending Account (FSA): FSAs are employer-sponsored accounts that let you contribute funds for out-of-pocket medical expenses. Your employer funds your account on Day 1 of your benefit year, and you have 365 days to spend it or the funds may get forfeited back to your employer.
Health Savings Account (HSA): HSAs are available to individuals with high-deductible health plans (HDHP). Unlike FSAs, HSA funds roll over each year and can even be invested, making them more flexible for long-term healthcare savings.
These accounts allow users to pay for eligible medical items like hearing aids, prescriptions, and other approved expenses.
Why the FDA Classification Matters
The FDA’s decision to classify Apple’s AirPods Pro as hearing aids could be a game-changer for those looking to save on these devices. Typically, hearing aids are considered eligible medical devices for FSA and HSA spending. Apple’s new “Hearing Aid Feature” will enhance the device’s ability to amplify sound for those with mild to moderate hearing loss, which brings the AirPods Pro closer in functionality to traditional hearing aids but still remains closer to hearing amplification.
While the IRS has not yet officially declared the AirPods Pro eligible for FSA or HSA funds, this FDA classification raises the possibility that the earbuds could soon join the list of qualified medical expenses. Given that traditional hearing aids can cost thousands of dollars, the more affordable AirPods Pro, once eligible, could provide a cost-effective solution for those seeking hearing assistance.
Alternatives: Current FSA/HSA Eligible Hearing Aids
While we wait for confirmation on whether Apple’s AirPods Pro will be eligible for FSA/HSA funds, there are already excellent alternatives available from top hearing aid brands. Here are two options to consider:
Lucid Hearing:
Lucid Hearing offers a range of FSA-eligible hearing aids designed for various levels of hearing loss. Their devices focus on combining high-quality sound amplification with affordability, making them a reliable choice for those who need immediate solutions.Vivtone Hearing Aids:
Vivtone provides a selection of FSA-eligible, cost-effective hearing aids that feature clear sound amplification and noise cancellation. With both behind-the-ear and in-the-ear options, Vivtone is a solid alternative for those who want to use their FSA/HSA funds for hearing devices now.
Are AirPods Pro Eligible for FSA/HSA Cards?
Though the FDA has classified the new AirPods Pro as hearing aids, it remains unclear whether they will be eligible for FSA or HSA spending. For now, it’s best to consult your FSA/HSA provider or a tax professional. As reported by NPR, the new “Hearing Aid Feature” in the AirPods Pro 2 could eventually qualify these earbuds as a medical expense, but until then, it’s advisable to explore confirmed FSA-eligible alternatives.
