HSA-Eligible Pharmacy Expenses (2026)

Prescription Medications

Varies widely - $5–$500+ per prescription

Over-the-Counter Medications

$5–$30 per item

Insulin

$50–$300+ per month (without insurance)

Sunscreen

$8–$30 per bottle

Vitamins & Supplements

$10–$60 per month

Protein Powder

$25–$80 per container

Menstrual Products

$5–$40 per month

GLP-1 Prescription Medications

Varies by medication, dose, insurance coverage, discount program, and pharmacy

Condoms

$5–$20 per box

Birth Control

$0–$50/month (pills); $0–$1,300 (IUD insertion)

Nicotine Patches & Smoking Cessation

$20–$50/month (OTC); $100–$500 (programs)

Melatonin

$5–$20 per bottle

Probiotics

$15–$60 per month

CBD Oil

$30–$100 per product

Acne Medication

$5–$30 (OTC); $50–$500/month (prescription)

Flu & Cold Medicine

$5–$20 per product

Prenatal Vitamins

$10–$40 per month

EpiPen

$50–$350 per two-pack (varies by brand and insurance)

Pregnancy Test

$5–$20 per test

Ovulation Test

$10–$30 (test strips); $100–$300 (fertility monitors)

Baby Formula

$25–$60 per can

Diaper Cream

$5–$15 per tube

Pedialyte

$5–$15 per pack

Saline Nasal Spray

$5–$20

Wart Remover

$5–$25 (OTC); $100–$500 (in-office removal)

Motion Sickness Medicine

$5–$15 (OTC); $20–$50 (prescription patches)

Anti-Itch Cream

$5–$15 per tube/bottle

Sleep Aids

$5–$15 (OTC); $10–$100 (prescription)

Digestive Aids

$5–$25 per product

Hand Sanitizer

$3–$10 per bottle

Lice Treatment

$10–$30 (OTC); $100–$200 (professional treatment)

Lip Balm with SPF

$3–$8 per tube

Nasal Strips

$5–$15 per box

Pain Relievers (OTC)

$5–$15 per bottle

Prescription Skin Care

$10–$500+ depending on product

Iron Supplements (Prescribed)

$5–$20/month (OTC with LMN); $500–$3,000 (iron infusions)

Controlled Substances Used Illegally

Not eligible under the federal rule

Greens Powders (AG1 and similar)

Only practitioner-recommended treatment for a diagnosed condition

Botox

Varies by condition, dose, provider, and insurance coverage

Lactation Supplements

Only practitioner-recommended treatment for a diagnosed condition

Gluten-Free and Special Food

Only the cost above comparable ordinary food

Prescription Drugs Bought Abroad

Only legally purchased or legally imported prescription drugs