10 Surprising Things You Can Buy With Your HSA
Health Savings Accounts (HSAs) empower individuals to take control of their healthcare by offering a tax-free way to save and spend on wellness goods and services. While HSA funds are often associated with traditional medical expenses, you may be surprised to learn about the diverse items and services they can cover.
Below, we explore 10 unexpected HSA-eligible purchases that can elevate your wellness routine.
1. Skincare Essentials for Healthier Skin
Your skin deserves as much care as your internal organs. HSA funds can be used for essential skincare products like medicated acne washes, eczema lotions, collagen rich products, dandruff shampoos, and even chapstick. These products focus on improving skin health rather than cosmetic appeal.
2. Sunscreen
Sunscreen is a medical necessity, and HSA funds cover sunscreen outright. Sunscreen protects your skin from the harmful effects of UV rays, which can cause damage and even skin cancer with prolonged unprotected exposure. Wearing sunscreen as directed can reduce your risk of developing melanoma by up to 50%, and it doesn’t take much effort to apply. In many ways, sunscreen is a form of preventative medicine.
If you already have sunburn, you can also use your HSA to buy sunburn relief topical gels and creams. Remember that it’s easier to apply sunscreen than it is to deal with the discomfort of severely sun damaged skin — always opt for the sunscreen first.
3. Digital Wellness Trackers
Wearable wellness devices such as fitness bands and sleep trackers provide valuable insights into your health. While these devices aren’t typically HSA-eligible, a Letter of Medical Necessity (LMN) from your doctor can make them qualify. Use them to monitor heart rate, exercise habits, and sleep quality for a data-driven approach to wellness.
4. Bone Broth: A Nutritional Powerhouse
Bone broth is one of the rare food items that HSA funds can cover. Packed with protein, vitamins, and minerals, it’s often classified as a nutritional supplement. With an LMN from your doctor, you can use HSA funds to purchase bone broth to fill dietary gaps.
5. Saunas: A Health Investment
Saunas offer scientifically proven benefits for cardiovascular, immune, and circulatory health. With a doctor’s recommendation, you can use your HSA to invest in a personal sauna, transforming it from a luxury into a cornerstone of your wellness routine.
6. Gym Memberships: A Path to Better Health
Exercise is a cornerstone of good health, and gym memberships make fitness accessible. While not automatically covered, an LMN from your doctor can qualify your monthly dues for HSA coverage, helping you stay active without breaking the bank.
7. Air Purifiers for Cleaner Breathing
Air quality significantly impacts respiratory health, especially for those with allergies. An air purifier can reduce allergens in your home, and with a doctor’s approval, you can use HSA funds to purchase one. Consider placing purifiers in frequently used rooms for maximum impact.
8. Sleep Quality Trackers
Sleep is critical to overall health, yet many Americans report insufficient rest. Sleep trackers can help identify issues like poor sleep quality or irregular patterns. With an LMN, you can use HSA funds to invest in a tracker that aids in improving your sleep health.
9. Cold Plunges: Wellness in a Tub
Cold plunges are gaining popularity for their ability to support inflammation control, circulation, and metabolism. If your doctor recommends it, an LMN can make a cold plunge tub HSA-eligible, adding a refreshing twist to your wellness journey.
10. Healthy Meal Delivery Services
Busy schedules often lead to unhealthy eating habits. Healthy meal delivery services offer a convenient solution. With a doctor’s recommendation, HSA funds can be used to cover these services, ensuring access to nutritious meals even during hectic times.
How to Maximize Your HSA with Truemed
Truemed simplifies the process of using HSA funds for wellness purchases. We collaborate with leading brands, retailers, and gyms to make it easy for you to access HSA-eligible goods and services.
Shop with Truemed: Select the “Pay With Truemed” option at checkout.
Answer Health Questions: Provide details about your health needs.
Get an LMN: Truemed matches you with a provider to determine eligibility.
With your LMN in hand, you can use HSA funds for items you previously thought were off-limits.
Explore HSA-Eligible Brands
Visit our curated list of HSA-approved brands and services to discover how you can enhance your wellness routine with tax-free savings. Truemed makes it easy to spend smarter and prioritize your health.
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By optimizing your HSA, you’re not just saving money—you’re investing in your health.
Ready to take control of your wellness? Explore Truemed today and unlock the full potential of your HSA!
Your HSA Can Cover More Than You Think
Every choice you make to promote your wellness is a form of proactive healthcare. Your HSA can and should cover most of the things you need to take your health into your own hands, and Truemed can help make this even easier.
Sources:
Sunscreen | The Skin Cancer Foundation