Is Zyrtec 24 Hour Allergy Relief Tablets HSA or FSA Eligible?

Antihistamines for allergic rhinitis are OTC drugs eligible under the CARES Act of 2020. Cetirizine (Zyrtec) is one of the most commonly reimbursed HSA/FSA expenses.

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 Zyrtec 24 Hour Allergy Relief Tablets 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.