How to use FSA or HSA Card on Amazon
Do you have an FSA or HSA card? Wondering how you can save even more money by using your FSA or HSA card on Amazon? Well you’re in luck, you can now find all of your favorite FSA and HSA eligible items on Amazon such as shoe insoles, sunscreen, acid reflux medicine, and more! With the largest selection of items online, at every day low prices, you can save BIG using your FSA or HSA card on Amazon.
Looking for Amazon’s FSA / HSA eligible products? Go straight to their category here! Or check out my blog posts on what to buy!
How do I add my FSA or HSA card to my account?
If you are looking to add your FSA or HSA card to your account, you first need to go to your “My Account” page and click on “Your Payments”. To avoid running into issues where you use your FSA or HSA card for non-approved transactions, make sure this is NOT your default card.
Where do I find FSA or HSA eligible items on Amazon?
There’s many ways to discover FSA or HSA eligible products on Amazon. I will go over four ways to discover eligible items:
- “FSA or HSA Eligible” Item Flag
- Search
- Filtering Menu
- Category
“FSA or HSA Eligible” Item Flag
Amazon has made it very easy for you to discover FSA or HSA eligible items wherever you are on the site. Amazon flags all applicable eligible items with an “FSA or HSA eligible” flag as you can see in the image above. If an item doesn’t have this flag, it doesn’t necessarily mean that it isn’t FSA eligible, it just means that it isn’t on Amazon’s internal FSA / HSA eligible item list.
If the item doesn’t have a flag but you believe it is an FSA eligible, you may use your default payment method (non-FSA / HSA card) and file for reimbursement with your benefits manager.
Search
Filtering Menu
Another easy way to discover FSA / HSA eligible items is to search for your favorite health and wellness brands or products on Amazon, and looking for this “FSA or HSA Eligible” filter on the left hand side. If you don’t see it, that means the products you’re looking for are not on Amazon’s internal FSA / HSA eligible product list.
Amazon’s FSA / HSA Category
Amazon has also created their own FSA / HSA store for customers to use. It’s a little hard to get to, but if you’re searching for it on Google or on Amazon, there is a chance that you’ll land here. They have broken out some of the most popular FSA / HSA eligible product categories to help you navigate through the page. This makes it easy to discover what items or categories are FSA eligible.
You can navigate to this category by searching for “FSA Eligible” on Amazon. Or you can Navigate to the Health & Personal Care category to find the category (see screenshot below).
How do I pay for FSA or HSA eligible items on Amazon?
Once you have your FSA / HSA eligible items in your cart, and you have your FSA / HSA card saved in your Amazon wallet, you’re now ready to complete your purchase! Amazon will be able to directly take your purchase and debit the funds out of your account! If you have a bunch of items in your cart, Amazon will tell you how much money they are able to take out of your FSA / HSA card. The total should match the value of your eligible items in your cart.
As you can see above, I have ordered an olympic weight lifting bar and a roll of KT Tape Pro (great for joint support and pain relief). The KT Tape would be the only item eligible to be used with my FSA card. Amazon identified that $14.98 of my order will be applied to my FSA card, and the rest will be my other credit card stored on my account.
Can I use my FSA card on my deadline?
Short answer, yes. However, it is risky to use your FSA card on Amazon if you’re shopping on your deadline. This is because Amazon charges your card when the item ships. So say you have a 12/31 deadline and would like to exhaust your FSA funds before they expire at midnight. If you use your Amazon card for this purchase and your order ships out on 1/2, the funds from your new plan will be charged instead of your old plan year. You can read more about this in their FSA FAQ here.
To ensure your purchase is made in the proper plan year, it is important that you plan ahead of your deadline day and ask your benefit plan administration for more information. I recommend using your credit or debit card on Amazon if you are shopping on deadline day, or visiting a store that accepts FSA cards near you. You can also use FSAstore.com since they are one of the only online retailers that charge on your deadline.