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. A list of some of the product categories that the majority of people are covered by their FSA may be found here:
- 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
Although you may buy FSA-eligible goods anywhere, Amazon makes it especially easy. Amazon has an FSA store that makes it simple to discover what is covered, and Prime members also receive quick, free shipping on a lot of items. 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. According to experts, this Theragun massager is quiet and offers five built-in speeds for a more personalized experience. Additionally, you may download the Therabody app, which suggests guided wellness routines based on your behavior and interacts with Google Fit and Apple Health.
Differin Acne Treatment Gel
Differin Acne Treatment Gel
For the finest acne treatment, this received an NBC SelectWellness Award. According to the brand, it contains 0.1% adapalene, an over-the-counter retinoid that is frequently used to treat acne because it can clear pores and reduce inflammation. According to Lauren Swanson, editorial director of NBC Select, it is both delicate and effective.
Neutrogena Oil-Free Salicylic Acid Acne Wash
Neutrogena Oil-Free Salicylic Acid Acne Wash
This salicylic acid cleanser was suggested by experts in our list of the top products for skin prone to acne. According to doctors, its LHA (lipohydroxy acid) is mild on the skin. According to the manufacturer, the formula is a suitable option for people with sensitive skin because it is free of oils, perfumes, and parabens.
Hero Cosmetics Mighty Patch
Hero Cosmetics Mighty Patch
Rebecca Rodriguez, editorial projects manager at NBC Select, says, “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.” Hydrocolloid gel is used by these patches to extract germs and oil from pimples.
Sun Bum SPF 30 Mineral Sunscreen Lip Balm
Sun Bum SPF 30 Mineral Sunscreen Lip Balm
Zinc oxide is used to physically block the sun’s rays in this mineral lip balm, which we featured in our guide to the top SPF lip balms. However, the brand claims that it contains sweet almond oil to moisturize skin while you wear it, so it does more than just shield your lips from the sun.
EltaMD UV Clear Broad-Spectrum SPF 46
EltaMD UV Clear Broad-Spectrum SPF 46
Dermatologists and employees of NBC Select both suggest this face sunscreen. According to editor Mili Godio of NBC Select updates, it’s especially beneficial for people with specific skin conditions. She claims that because she has severe rosacea, several skin care products she uses make her skin seem red and burn. The only sunscreen I’ve ever used that doesn’t cause any irritation to my skin is this one. The brand claims that the oil-and fragrance-free solution is non-comdogenic and contains niacinamide to calm skin.
Eucerin Eczema Relief Flare-up Treatment
Eucerin Eczema Relief Flare-up Treatment
This cream, which made our list of the top lotions for eczema, is one of the face and body items that is directly linked to helping with specific concerns, even though not all of them are FSA-eligible. It has a cooling effect and soothes inflamed skin, which experts say might help reduce flare-ups. According to Eucerin, the lotion is safe for kids and infants three months of age and up.
Neosporin Original Antibiotic Ointment
Neosporin Original Antibiotic Ointment
This antibiotic ointment can be applied to cuts and scrapes to stop bacterial infections. For the same reason, experts taught us that applying it on blisters is beneficial. According to the brand, it contains bacitracin zinc, neomycin sulfate, and polymyxin, all of which aid in preventing skin infections. Use it prior to applying a bandage and after washing the wound.
Zentoes Gel Toe Separators
ZenToes Gel Toe Separators
Having to deal with bunions? These toe separators were suggested by podiatrists as a way to straighten the big toe and relieve bunion strain. According to the brand, they are composed of flexible gel that feels soft and comfortable against the skin and are washable and reusable.
Debrox Ear Wax Removal Kit
Debrox Ear Wax Removal Kit
Experts cautioned us in our instruction on how to clean your ears not to try to extract wax from your canals as this can cause harm. The cerumenolytic chemicals in the drops in this kit help soften and release extra earwax so it may be removed more easily. Additionally, it includes a soft rubber bulb syringe that you may insert into your ear entrance to draw out the solution and softened wax.
Crab Claw Cervical Neck Traction Device
Crab Claw Cervical Neck Traction Device
According to experts, cervical traction—that is, neck-stretching devices—can reduce neck pain. Because it can be beneficial for varying degrees of pain, specialists also suggested this cervical neck traction device during our reporting. 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
This antifungal cream is one of our favorite ways to treat athlete’s foot. You can apply it twice a day for a week to get rid of it. The main ingredient is Terbinafine Hydrochloride, which specifically targets and kills fungus, according to the brand. Use it only on diseased regions and only on clean feet.
Sunbeam XL Heating Pad
Sunbeam XL Heating Pad
Heating pads can be used for several purposes, such as relieving menstrual cramps and painful backs. 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
Reporter for NBC SelectZoe 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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