今年,我签署了我的第一个FSA,因为我计划进行一些牙科工作,并且可以肯定的是,我会在这笔资金到期之前动用这些资金。The plan was quite useful and my dental work is finished (whew)! Now, the time has come to decide for next year – FSA or no FSA? What if I don’t incur enough medical expenses? Typically that would be an excellent scenario! But, when it comes to losing money, no thanks.

Where to Buy FSA Items Online

It turns out, you can buy a wide range of health care products with your FSA, and we have over 1,100 options here at LuckyVitamin. They are items that all of us use year-round such as deodorants, bandages, vitamins, and sunscreens. So, I’m going to renew my FSA and if I don’t use it all, I’ll shop LuckyVitamin to stock the best medicine cabinet ever!

What Is FSA?

How does FSA work? And, what does FSA stand for? An FSA (Flexible Spending Account) is a payroll tax saving arrangement offered only as part of an employee benefits package. The most common type of FSA is for medical expenses. You pay into it with pretax dollars from each paycheck. What can I use my FSA for? Use it to help pay for doctor visits, prescriptions, dental work, and other health expenses throughout the year, or buy non-prescription health care products.

While an FSA is similar to a Health Savings Account (HSA), there are some differences–the main distinction being that HSA funds roll over to the next year but most FSA funds do not (with some exceptions thanks to the Affordable Care Act). Plus, with FSA you get a handy debit card. The best part is that your total funds are available at the beginning of the year, so you don’t have to wait for them to accrue.

What Can I Buy with My FSA Card?

If your FSA expiration is nearing and you’re wondering, “what can I buy with FSA?”, the IRS has actually approved thousands of items that are FSA eligible. We won’t be able to cover them all here, so you’ll definitely want to take a look at our FSA Eligible items page. The products range from blood sugar support supplements and body cleanse products to memory support supplements, cough drops, athletic tapes and even pet allergy medicines!

Here are some surprising types of items you might not realize are FSA-eligible, each with a couple of examples. Visit our complete offering of over 1,100 FSA eligible products.


1. Cough, Cold & Flu Relief

When you suddenly succumb to the symptoms of seasonal cough, cold, or flu, you’ll be glad you prepared ahead of time.

Sambucus Elderberry Syrup – 8 fl. oz. by Nature’s Way

Oscillococcinum Homeopathic Medicine for Flu-Like Symptoms – 30 Doses by Boiron (布瓦龙)

2. Allergy Relief

Unfortunately, allergies can affect many of us all year long. Fortunately, we have a large selection of FSA-eligible allergy relief here at LuckyVitamin.

Sinusalia Homeopathic Medicine for Sinus Relief – 60 Tablets by Boiron (布瓦龙)

Treatment for Grain & Wheat Food Allergies – 1 oz. by bioAllers

3. Sinus & Nasal Care

In theme with the two categories above, sometimes a little sinus and nasal care can go a long way in preventing or soothing cough, cold, flu, and allergies.

Porcelain Neti Pot by Himalayan Chandra

Sinus Nasal Spray with Xylitol – 0.75 fl. Oz. by Xlear (可利尔)

4. Eye Care

Strained, red, irritated, or dry eyes… and even that pink eye that your kid brought home from school – we have all the different types of eye drops you’ll ever need.

Computer Eye Relief – 0.33 oz. by Similasan

Eye Twitching Relief – 0.33 fl. oz. by TRP Company

5. Baby & Child Care

From the time they first arrive in your life to their teenage years, kids need a LOT of stuff to keep them happy and healthy. What baby items are FSA eligible? Everything from sunscreens and cold medicines to multivitamins and toothpastes.

Calming French Lavender Diaper Rash Ointment – 2.9 oz. by California Baby (加州宝宝)

Kids Fluoride & SLS Free Watermelon Toothpaste – 4.2 oz. by Hello Products

6. Headache Relief

Although you might suspect a correlation, this category has nothing to do with the one above (wink wink).

Homeopathic Natural Medicine Headache Relief – 2 fl. oz. by King Bio

Migraine Relief – 60 Tablets by NatraBio

7. Pain Relief

These natural pain relief products are great for everybody’s everything from arthritis to exercise-induced muscle exertion.

Arnicare Gel for Pain Relief – 4.1 fl. oz. by Boiron (布瓦龙)

Arthritis Pain Formula – 100 Tablets by Hylands

8. Probiotics

It’s strange to think that something so small – okay, probiotics are actually invisible – can have such a profound impact on our digestion and intestinal comfort.

PB8 Immune Probiotic Supplement 10 Billion CFU – 60 Capsules by Nutrition Now (诺奥)

Kids Flavorless Daily Probiotic & Fiber – 24 Packet(s) by Culturelle (康萃乐)

9. Nausea & Digestive Relief

Nobody ever expects to feel nauseous, so it’s the kind of ailment you want to plan in advance for. Be the person who saves the day by saying, “I’ve got something for that!”

Anti-Nausea Ginger Gum – 24 Pieces by Sea-Band

4 Kids Tummy Ache – 50 Tablets by Hylands

10. Workouts & Recovery

These are exactly the kinds of things you’d never expect your FSA to pay for. But it does!

Women’s Active Wear Performance Pants Black – Medium by Incrediwear

Active Pain Relief Unisex Hip Brace – XL by Incrediwear

11. Sunscreen

If you’re that over-prepper who travels with a bottle of sunscreen specifically for each family member, you’ll love stocking up with FSA funds.

Very Emollient Natural Protection Sunscreen Organic Lavender 45 SPF – 4 fl. oz. by Alba Botanica (阿尔巴)

Sunscreen Lotion Super Sensitive No Fragrance 30 SPF – 2.9 fl. oz. by California Baby (加州宝宝)

12. Sleep Aids

Sometimes you just need a little help falling or staying asleep, but you don’t want to turn to prescription drugs. That’s where we come in (quietly) with natural sleep aids to tuck you in and say good night.

Power to Sleep PM – 60 Softgels by Irwin Naturals (爱乐能)

Sleep Balm – 0.75 oz. by Badger (贝吉獾)

13. Lip Care

We all want soft, kissable lips – but occasionally cold weather and cold sores have different agendas.

Coldstick with Super Lysine – 0.18 oz. by Quantum Health

Lip Balm Sphere for Lasting Hydration – 0.25 oz. by EOS Evolution of Smooth

14. Sexual Health

Speaking of kissing… who knew you could get busy pre-tax? Now that’s the ultimate turn-on for mature, FSA kind of folks like us. “Can I buy condoms with my FSA?”一定!

Steel-Libido RED – 75 Softgels by Irwin Naturals (爱乐能)

Hex Latex Condoms Original – 36 Pack by Lelo

15. Joint & Inflammatory Support

We all deserve comfort and mobility but sometimes our joints don’t want to cooperate. Aging and activity strain are two major culprits. Luckily, there are natural products that can help.

Inflamma-Less Optimum Comfort Mobility & Flexibility – 80 Softgels by Irwin Naturals (爱乐能)

TripleFlex Triple Strength – 120 Caplets by Nature Made 自然做了

16. Prenatal Support

Having a baby is already expensive enough. It’s good to know you can use FSA funds to buy your prenatal supplements.

Prenatal Complete Multivitamin – 180 Gummies by SmartyPants

Prenatal + DHA 300 – 120 Softgels by Zahler

17. First Aid Products

First aid items aren’t the “first” thing we generally want to spend money on, but they sure come in handy when the unexpected happens.

Wound Wash Sterile Saline Solution – 6 fl. oz. by NeilMed Pharmaceuticals

Itch Nix Gel Fast Acting Poison Ivy & Poison Oak Relief – 4 oz. by Quantum Health 

18. Ear Care

Ear cleanliness is a delicate situation. If you don’t use the right tools you can damage your eardrum or push wax further in. Let the pros help.

Ear Wax Relief Non-Drying Ear Drops – 0.33 oz. by Similasan

Ear Spin Safe Reusable Ear Cleaning Tools by NeilMed Pharmaceuticals

19. Women’s Health

Exert your girl power by investing pre-tax money in the items that help you practice a little self-care.

DivaCup Menstrual Cup by Diva International

Bladder Control with Go-Less – 54 Capsules by Azo

20. Men’s Health

Let us help support your health needs, naturally, with wholesome products specifically designed for men.

Men’s Mo Complete Multivitamin – 120 Gummies by SmartyPants

L-Arginine for Blood Flow & Vascular Function – 50 Tablets by Nature’s Bounty

21. Omega Supplements

Essential fatty acids provide a variety of health benefits from brain and heart health to mood support, and more.

Odor-Less Mini Fish Oil 1290 mg. – 90 Coated Softgels by Nature’s Bounty

ProOmega CoQ10 with EPA & DHA – 120 Softgels by Nordic Naturals Professional

22. Air Therapy

Give those hard-working lungs a breath of fresh air with natural products that soothe and enrich.

Himalayan Salt (喜马拉雅山盐) Air Therapy Ceramic Inhaler by Evolution Salt Company

95% Pure Oxygen Natural – Large by Boost Oxygen

23. Emotional Support Products

It’s reassuring to know non-prescription, natural products are available for anxiety and stress that can be purchased pre-tax.

Rescue Remedy Spray Natural Stress Relief – 20 ml. by Bach

SAM-e for Emotional Well-Being – 30 Tablets by Nature’s Bounty 

24. Heart Health

Cardiovascular disease is the leading cause of death in the United States. Perhaps the most important muscle in the body needs the most support.

CoQ10 Orange 400 mg. – 40 Liquid Softgels by Nature Made 自然做了

Flaxseed Oil Support for Cardiovascular Health – 125 Softgels by Nature’s Bounty 

25. Vitamins

If you’ve ever wondered, “Can I buy vitamins with my FSA card?” – yes you can! And, there are health-promoting vitamin supplement options for everyone in this category including men, women, and kids.

Vitamin B12 Maximum Strength – 60 Softgels by Nature Made 自然做了

Vitamin D3 2000 IU – 400 Tablets by Nature Made 自然做了

26. Skin Care

Think of all the post-tax money you’ve spent on skin care items in the past. But, now you know you can buy them with your FSA!

Max Crack Daytime Cream – 2.7 fl. oz. by Zim’s

Clear Skin Detoxifying Charcoal Mud Face Mask for Acne – 2 fl. oz. by Yes To


27. Laxatives

Constipation is a huge problem for many people and these nature-based products provide gentle relief.

Softex Stool Softener Laxative – 60 Tablets by Naturade (天百唯)

Swiss Kriss Flake Box – 3.25 oz. by Modern Products

28. Weight Loss Products

In this era of fad diets, LuckyVitamin provides a great selection of weight loss aids that are based on natural, whole foods and traditional methods.

Garcinia HCA Fat Reduction Diet – 90 Softgels by Irwin Naturals (爱乐能)

Green Tea Fat Burner – 90 Softgels by Applied Nutrition

29. Colon Cleanse

Generally believed to be the key to weight loss and healthy digestion, many people use a colon cleanse a few times a year for optimal wellness.

Colon Cleanse Organic Natural Daily Fiber Power – 12 oz. by Health Plus (健怡坊)

7-Day Ultimate Cleanse by Nature’s Secret

30. Health Aids

Lastly, we have a number of aids and tools that can be useful for your health but costly, so using your FSA to buy them is a wise choice.

Apex Pill Pulverizer by Carex

Citrus II CPAP Mask Wipes – 62 Wipes by Citrus Magic

What Do You Buy with Your FSA?

Have you ever purchased health care products with your FSA? If so, we want to hear about it. Share your expertise with the rest of us! Do you have any tips or tricks for making the most of your FSA funds before they expire?

Mary Nason is the Product Content Assistant Manager at LuckyVitamin, where she researches healthy products, ingredients, and lifestyles. She’s currently practicing a dairy and egg-free pescatarian keto diet with the goal of feeling healthier and losing weight. She loves to share her vegan baking during the holiday season in hopes of amazing the omnivores and inspiring more people to go mostly plant-based. Mary is a lifelong artist who currently creates miniature paintings, books, and dioramas. She is trained in Vipassana mediation and loves walking with her dog in the woods. You can keep up with Mary’s hobbies and adventures in the scenic natural landscape of Pennsylvania on Instagram @marymiasnownason.


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