We Found 75 of the Best FSA and HSA-Eligible Items for Parents—Including Popular Skincare and a Baby Monitor

Treat yourself to pre-tax Supergoop, Shiseido, Clinique, Kiehl’s, Fenty Beauty, and Nanit, starting at $8.

Updated on December 29, 2023

HSA/FSA Skincare and Beauty Tout — Parents / Tyler Roeland

Did you know your healthcare plan can also serve as self-care? For most Americans with health insurance plans, we can set aside pre-tax money in a flexible savings account (FSA) or health savings account (HSA). Most people assume this means medical equipment, but did you know that some everyday items also qualify as FSA or HSA eligible?

While HSA funds never expire, your FSA funds will expire at the end of 2023. To ensure you're getting the most out of your funds, shop big-name brands in skincare and beauty like Fenty Beauty, Supergoop!, Shiseido, Clinique, and Peter Thomas Roth, which can be purchased with your FSA funds at Sephora. Plus, must-have parenting products like pregnancy tests, no-touch thermometers, and even a discounted Nanit smart baby monitor are FSA and HSA eligible (and start at $8). For reimbursement, all you have to do is shop from Sephora’s or Amazon’s pre-vetted list of eligible items, save the receipt, and submit it to your insurer. So, get shopping—and save up to 58%.

Top FSA/HSA Eligible Items

Kiehl’s Ultra Facial Cream Sunscreen SPF 30 $38; sephora.com
Fenty Skin Hydra Vizor Mineral SPF 30 Refillable Moisturizer $25-$39; sephora.com
Nanit Pro Smart Baby Monitor & Wall Mount $265 (was $330); amazon.com
Supergoop! Glowscreen SPF 40 Sunscreen with Hyaluronic Acid + Niacinamide $22-$48; sephora.com
Vicks Non-Contact Infrared Thermometer $26 (was $55), amazon.com
Tatcha The Silk Sunscreen Mineral Broad Spectrum SPF 50 with Hyaluronic Acid and Niacinamide $62; sephora.com
First Response Comfort Check Pregnancy Tests $17; amazon.com

Best FSA/HSA Eligible Skincare

Sephora Fenty Skin Hydra Vizor Mineral SPF 30 Refillable Moisturizer — Sephora

Whether you’re looking for a face wash or a must-have serum to add to your skincare lineup, now’s the time to stock up and get reimbursed with your FSA/HSA money. Fenty Skin’s Hydra Vizor Mineral SPF 30 pulls multiple roles between a primer and plumper and sunscreen—and it comes in a refillable container to help reduce plastic waste. Boost your skin’s natural glow with the Supergoop! Daily Dose Bioretinol is a serum that has mineral SPF 40 and bakuchiol to promote cellular turnover.

Best FSA/HSA Eligible Sunscreens

Sephora Shiseido Clear Sunscreen Stick SPF 50 — Sephora

Practicing good sun health is critical for protecting your skin in the short and long term. Even if you’re not a sunbather or have darker skin, the sun doesn’t discriminate, and UV rays can still damage your skin when it’s cloudy. Snap up this Shiseido Clear Sunscreen Stick SPF 50 at Sephora, which is a favorite with our Parents staffers. If you’ve always wanted to see what the hype is about with Supergoop, then grab the Play Antioxidant Body Sunscreen Mist for just $21 right or the 100% Mineral Mattescreen Sunscreen SPF 40 for shine-free sun protection.

Best FSA/HSA Eligible Makeup

Sephora Supergoop! Glowscreen SPF 40 Sunscreen with Hyaluronic Acid + Niacinamide — Sephora

Even makeup can qualify as FSA/HSA eligible—though typically it’s products that contain active ingredients like SPF or hyaluronic acid. Our makeup picks are all under $50, including Supergoop’s Glowscreen SPF 40, a tinted sunscreen that’s infused with hyaluronic acid to moisturize and niacinamide to boost cellular turnover (it makes a great primer, too). Meanwhile, people who love the sheerest of coverage will appreciate the Clinique Moisture Surge Sheertint Hydrator Tinted Moisturizer with SPF 25, while those dealing with skin redness could benefit from Clinique’s Redness Solutions Instant Relief Mineral Pressed Powder.

Best FSA/HSA Eligible Home Health and Diagnostics

Amazon Nanit Pro Smart Baby Monitor & Wall Mount — Amazon

Believe it or not, some baby monitors can be purchased with your FSA or HSA money, like the Nanit Pro Smart Baby Monitor & Wall Mount (bonus: It’s on sale right now). You can also pick up home diagnostics and tests, like iHealth COVID tests that are $18 for a two-pack and First Response Comfort Check Pregnancy Tests (you can get 8 for under $17). Or, prep for when your kiddo comes home with scraped knees or brings a fever home from school with a Band-Aid Family Variety Pack and the Vicks Non-Contact Infrared Thermometer, which is 55% off at Amazon.

Nanit Pro Smart Baby Monitor & Wall Mount $275 (was $330); amazon.com
Vicks Non-Contact Infrared Thermometer $18 (was $55); amazon.com
AllSett Health Migraine Relief Cap Ice Wrap $18 (was $40); amazon.com
Dr. Scholl’s Freeze Away Skin Tag Remover $20; amazon.com
iHealth COVID-19 Antigen Rapid Tests $18 for 2; amazon.com
Biofreeze Roll-On Gel $32 for 3 (was $48); amazon.com
LifeVac Choking Rescue Device $80; amazon.com
First Response Comfort Check Pregnancy Test $17 for 8; amazon.com
23andMe Health-Only Service DNA Test $119 (was $169); amazon.com
Zengate Retainer Cleaner Tablets $20; amazon.com
Band-Aid Family Variety Pack $15 (was $23); amazon.com
Vicks VapoStick No Mess Solid Balm $16 (was $17); amazon.com
Rapid-Seal Antibacterial Wound Gel $13; amazon.com

Best FSA/HSA Eligible Body and Hair Care

Sephora Skinfix Eczema+ Extra Strength Body Cream — Sephora

Lip care, body lotion, and even hand sanitizer are all FSA/HSA eligible items you should stock up on before the year ends. Prioritize hygiene with the Touchland Power Mist Hydrating Hand Sanitizer (it’s just $10 at Sephora). Eczema sufferers will appreciate the richly hydrating Skinfix eczema body cream and Topicals moisturizer, which are both designed to repair your skin’s natural barrier, and protect your lips from sun damage with the Supergoop! Unseen Lipscreen Sheer SPF 30 Lip Balm.

Best FSA/HSA Eligible Menstrual Products

Amazon THINX Modal Cotton Bikini Period Underwear — Amazon

If you menstruate, you know that the cost of having a period can add up quickly. If you’re going to have to spend more than $100 a year on your period, you might as well spend pre-tax FSA dollars on it. Right now, you can get some of Thinx’s beloved period underwear for $10 off at Amazon, snag a two-pack of menstrual cups for 57% off, or pick up standby packs of Tampax Pearl tampons and Always Ultra Thin Feminine Pads.

Thinx Modal Cotton Bikini Period Underwear $25 (was $35); amazon.com
Shordy Reusable Menstrual Cups $13 for 2 (was $30); amazon.com
Geniani XL Heating Pad $28 (was $33); amazon.com
Always Ultra Thin Feminine Pads $8 for 42 (was $9); amazon.com
Tampax Pearl Tampons, Unscented $10 for 45; amazon.com
Flex Cup Starter Kit $30 (was $40); amazon.com
Lena Sensitive Menstrual Cup $30 (was $35); amazon.com

Best FSA/HSA Eligible Acne Treatments

Sephora Peter Thomas Roth Acne-Clear Essentials 4-Piece Acne Kit — Sephora

Acne doesn’t magically go away when you leave your teen years (we wish!), and getting it under control can feel like an endless task. Peter Thomas Roth’s 4-piece set comes with everything you need to jumpstart your skincare routine by thoroughly cleansing your pores and gently moisturizing your skin with an oil-free formula. If blackheads are bugging you, try Clinique’s Blackhead Solutions Self-Heating Blackhead Extractor, and for those unexpected pimples, the Peace Out Acne Salicylic Acid Day & Night Duo pimple patches help save the day—and are less than $20.