Is EltaMD UV Clear SPF 46 HSA or FSA Eligible?

Sunscreen with SPF 15 or higher is explicitly listed as a qualified medical expense under IRS Publication 502 because it prevents the harmful effects of UV radiation. EltaMD UV Clear meets the broad-spectrum SPF 46 threshold.

The full list of qualified medical expenses is defined in IRS Publication 502, updated annually. The CARES Act of 2020 expanded eligibility to include all OTC medicines and menstrual care products.

1. Purchase EltaMD UV Clear SPF 46 directly with your HSA or FSA debit card — no pre-approval needed.
2. Alternatively, pay out of pocket and submit the receipt for reimbursement through your plan's portal or app.
3. Keep your receipt. If your card is declined (auto-substantiation failure), you can manually submit the receipt.
4. Save receipts for 7 years in case of an IRS audit.