Can You Use Your FSA or HSA to Buy Personal Protective Equipment (PPE)?

What types of masks are FSA or HSA eligible?

Masks that are for “the primary purpose of preventing the spread of COVID-19 are eligible to be paid or reimburse through flexible spending accounts (FSAs), health savings accounts (HSAs) and health reimbursement accounts (HRAs).”. In order for a mask to be considered FSA eligible, the masks have to meet the standards of the Centers of Disease Control (CDC) as it relates COVID-19. This would exclude popular masks such as gaiters, face shields, and masks with vents that were not approved by the CDC as effective against the spread of COVID-19.

Here are some masks that I identified to be eligible for FSA and HSA reimbursement.

What types of Hand Sanitizer are FSA or HSA eligible?

Hand sanitizer and hand sanitizing wipes that are for “the primary purpose of preventing the spread of COVID-19 are eligible to be paid or reimburse through flexible spending accounts (FSAs), health savings accounts (HSAs) and health reimbursement accounts (HRAs).”. In order for a these items to be considered FSA eligible, they have to meet the standards of the Centers of Disease Control (CDC) as it relates COVID-19.

What if I stockpiled on PPE?

It is important to note that the IRS did not mention that they would be reconsidering the stock piling rule as it relates to purchases of PPE during COVID-19. To read more about the stock piling rule, please visit my FAQ here. It is also recommended to reach out to your benefit plan administrator on their guidance regarding reimbursement of PPE.

This new change is one of many that impacted FSA and HSA cardholders during the COVID-19 pandemic. Please check out my update on the major expansion of eligible products from the CARES act. 

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