Many employers allow workers to contribute tax-free funds to a flexible spending account (FSA) at the beginning of the year, which they can then use for medical costs throughout the year. The scope of what constitutes a medical expense is actually quite broad. Prescription copayments, insurance deductibles, medical procedures, and supplies like breast pumps, reading glasses, acne face washes, and even some massagers can all be covered.
The only drawback is that, with the majority of plans, the money you choose to deposit into your FSA account expires on December 31st of the same year. Therefore, you have a few weeks remaining to spend any money that is left in your FSA account.
We’ve compiled a list of FSA-eligible products that are now on Amazon to assist ensure you don’t lose any money you’ve saved.
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Our top picks
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Best overallTheragun Prime
$199.00$299.00Amazon
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Best FSA-eligible acne pickHero Cosmetics Mighty Patch
$undefined$21.97Amazon
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Best FSA-eligible sunscreenEltaMD UV Clear Broad-Spectrum SPF 46
$undefined$43.00Amazon
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Most practical itemRenu Contact Lens Solution Advanced Formula
$undefined$17.79Amazon
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Frequently asked questions
A flexible spending account, or FSA, is something that some businesses provide in addition to health insurance. With an FSA, you can take pre-taxed money out of your paycheck and put it into a different account that you can use for specific medical costs, such as products and treatments. The annual maximum amount that can be deposited into an FSA account is regulated by the Internal Revenue Service; in 2024, it was $3,200, and in 2025, it was $3,300. It’s also important to remember that your company has the authority to lower the limit.
FSA accounts operate in several ways. You can utilize the debit card that many employers give you for qualified expenses. In order to receive reimbursement for eligible expenses, other plans ask you to provide receipts.
You can use funds from your FSA account to cover copays at the doctor’s office, prescription drugs, and other expenses including insurance deductibles and ER visits. You can also use your FSA funds to purchase a variety of health and medical-related items. While many of these products are accessible to everybody, others, like sleep apnea machines, need a doctor’s letter of medical necessity. Here, you ll find a list of some of the product categories that are covered for most people under their FSA:
- Over-the-counter medications
- First-aid items like bandages and antiseptics
- Covid-19 supplies, such as masks and tests
- Reading glasses and contact lenses supplies
- Nasal sprays, inhalers and vaporizers
- Acne facial products
- SPFs
- Pregnancy and newborn-related items, like prenatal vitamins and breast pumps
- Menstruations products
- Muscle therapy products, like massage guns and back braces
- Foot care
The best FSA-eligible items on Amazon
You can purchase FSA-eligible products anywhere, but Amazon makes it particularly convenient. Not only doPrime membersget fast, free shipping on many products, Amazon has anFSA storethat makes it easy to see what is covered. I’ve compiled a list of Amazon products that qualify for FSA below. Everything on this list has at least a 4-star average rating from more than 1,000 Amazon reviews, has been highly recommended by NBC Select editors, or has been suggested by experts in earlier stories.
Theragun Prime
Theragun Prime
Indeed, you are able to purchase an amassage pistol with your FSA dollars. In fact, it might be a wise investment before the year ends if you have a substantial quantity of money remaining in your account. Experts have told us this one from Theragun is quiet and that the built-in five speeds allows for a more customized massage. You can also download the Therabody app, which integrates with Apple Health and Google Fit and recommends guided wellness routines based on your behaviors.
Differin Acne Treatment Gel
Differin Acne Treatment Gel
This won an NBC SelectWellness Awardfor best acne treatment. It has 0.1% adapalene, an over-the-counterretinoidthat s commonly used to treat acne because it can reduce inflammation and clean pores, according to the brand. NBC Select editorial director Lauren Swanson says it s gentle while still being effective.
Neutrogena Oil-Free Salicylic Acid Acne Wash
Neutrogena Oil-Free Salicylic Acid Acne Wash
Experts recommended this salicylic acid cleanser in our guide tothe best products foracne-prone skin. It has LHA (lipohydroxy acid), which dermatologists told us is gentle on the skin. The formula s also free of oils, fragrances and parabens, making it a good choice for those with sensitive skin, according to the brand.
Hero Cosmetics Mighty Patch
Hero Cosmetics Mighty Patch
I like that these are a little more translucent than other patches I ve tried because they blend well with my skin tone and don t scream hey I ve got a pimple, says NBC Select s editorial projects manager Rebecca Rodriguez. These patches rely on hydrocolloid gel to draw out any oil and bacteria from pimples.
Sun Bum SPF 30 Mineral Sunscreen Lip Balm
Sun Bum SPF 30 Mineral Sunscreen Lip Balm
This mineral lip balm, which we included in our guide to thebest SPF lip balms, is made with zinc oxide to physically block the sun s rays. But it doesn t just protect your lips from the sun, it has sweet almond oil to hydrate skin as you wear it, according to the brand.
EltaMD UV Clear Broad-Spectrum SPF 46
EltaMD UV Clear Broad-Spectrum SPF 46
Both dermatologists and NBC Select staffers recommend thisface sunscreen. NBC Select updates editorMili Godiosays it s particularly good for those with certain skin issues. I have really badrosacea, so many skin care products I try leave my skin looking red and create a burning feeling, she says. This is the only sunscreen I ve ever tried that doesn t irritate my skin at all. The oil- and fragrance-free formula is non comedogenic and hasniacinamideto soothe skin, according to the brand.
Eucerin Eczema Relief Flare-up Treatment
Eucerin Eczema Relief Flare-up Treatment
While not all face and body products are FSA-eligible, those directly associated with helping with certain issues are like this cream, which made our list ofbest lotions for eczema. It calms irritated skin and has a cooling sensation, which experts told us can further calm flare-ups. The lotion s considered safe for children and babies 3 months and older, according to Eucerin.
Neosporin Original Antibiotic Ointment
Neosporin Original Antibiotic Ointment
You can use this antibiotic ointment on scrapes and cuts to prevent bacterial infection. Experts also told us it s helpful to apply it toblistersfor the same reason. It s made with bacitracin zinc, neomycin sulfate and polymyxin, which all help to prevent skin infections, according to the brand. You should use it after cleaning a wound and before a bandage is put on.
Zentoes Gel Toe Separators
ZenToes Gel Toe Separators
Dealing withbunions? Podiatrists recommended these toe separators to ease the pressure of the bunion by straightening the big toe. They re washable and reusable and made of flexible gel that s comfortable and soft against the skin, according to the brand.
Debrox Ear Wax Removal Kit
Debrox Ear Wax Removal Kit
In our guide onhow to clean your ears, experts warned us about being careful not to try and dig wax out of your canals because it can be damaging. This kit comes with drops that have cerumenolytic agents, which help soften and loosen excess earwax so it comes out more easily. It also comes with a soft, rubber bulb syringe that you can place at the opening of your ear to suck out the solution and softened wax.
Crab Claw Cervical Neck Traction Device
Crab Claw Cervical Neck Traction Device
Experts have told us thatcervical tractionmeaning devices that help stretch the neck can ease neck pain. During our reporting, experts also recommended this cervical neck traction device since it can be good for different levels of pain. It inflates to gently stretch and straighten your neck, is made from vegetable fleece that s soft on the skin and you can easily adjust the tightness of it when you put it on by using the velcro straps.
Lamisil 1% Athlete s Foot Cream
Lamisil 1% Athlete s Foot Cream
One of our favorite treatments forathlete s foot, you can use this antifungal cream twice daily for a week to eliminate athlete s foot. The main ingredient is Terbinafine Hydrochloride, which specifically targets and kills fungus, according to the brand. Apply it to clean feet and only use it on infected areas.
Sunbeam XL Heating Pad
Sunbeam XL Heating Pad
You can use heating pads for a variety of things including soothing sore backs, menstrual cramps and more. Doctors recommend this option from Sunbeam in our roundup of thebest heating padsbecause it s budget-friendly and large enough to cover bigger areas of the body. It has a nine-foot cord, a two-hour auto shut off, and a slide-button controller with three heat settings, according to the brand.
Breathe Right Nasal Strips Extra Strength
Breathe Right Nasal Strips Extra Strength
NBC Select reporterZoe Malinkeeps these nasal strips, which work by opening up nasal passageways for easier breathing, at home because she suffers from allergies, which can cause congestion and lead tosnoring. The nasal strips come in a pack of 26 and their adhesive has never irritated my sensitive skin, she says. I find that they usually stay in place overnight, too.
Renu Contact Lens Solution Advanced Formula
Renu Contact Lens Solution Advanced Formula
I ve been wearing contact lenses for nearly 25 years and this has been my go-to solution for at least a decade. I find it to be gentle on my eyes and I don t need more than a drop or two to moisturize my eyes after I ve been wearing my contacts all day. This saline solution is hydrating and can also clean your contacts if they get smudged or dirty. The box comes with two 12-ounce bottles of solution and a plastic lens case.
Johnson & Johnson Travel Ready Portable Emergency First Aid Kit
Johnson & Johnson Travel Ready Portable Emergency First Aid Kit
Ideal for your medicine cabinet or for keeps in your car trunk, this 80-piece first-aid kit comes with everything you might need for minor wounds like bandages, Neosporin, Tylenol and gauze. Everything is housed in an easy-to-carry, organized case. It has a 4.8-star average rating from 8,731 reviews on Amazon.
Viproud Thermometer
Viproud Thermometer
Few things are harder than trying to take the temperature of a sick toddler. This thermometer makes it much easier. You can hold the no-touch model away from the forehead and will still give an accurate reading. I ve used it with my 3-year-old and can attest to how quick and easy it is to use. In fact, rather than fighting me, my daughter likes to get in on the action and help take her own temperature. Not only does the digital screen give you the exact temperature, it glows green if there is no fever, yellow if there is a mild fever and red if there is a moderate or high fever.
Why trust NBC Select?
I ma contributor at NBC Select, who regularly covers various beauty, home and lifestyle topics. For this story, I rounded up FSA-eligible items that are recommended by experts and NBC Select staffers.
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