Is Eye Drops HSA-Eligible? (2026)
Medicated and lubricating eye drops are HSA-eligible.
Typical Cost
$5–$30 per bottle
Details
Eye drops for medical conditions (dry eye, allergies, glaucoma, infections) are qualified expenses. Both prescription and over-the-counter eye drops qualify since the CARES Act. Artificial tears and lubricating eye drops are also eligible. Post-surgical eye drops prescribed after LASIK or cataract surgery are covered too.
Requirements
No prescription required for OTC eye drops since the CARES Act of 2020. Prescription eye drops (for glaucoma, infections, etc.) require a valid prescription.
HSA Tax Savings
A year of eye drops at $15/bottle, 6 bottles ($90 total) - HSA saves $20 at the 22% bracket (additional savings via FICA when paid through payroll deduction)
Frequently Asked Questions
Are eye drops HSA-eligible?
Yes. Both prescription and OTC eye drops are HSA-eligible.
Are artificial tears HSA-eligible?
Yes. Artificial tears and lubricating eye drops like Systane, Refresh, and generic brands are all HSA-eligible without a prescription.
Are allergy eye drops HSA-eligible?
Yes. OTC allergy eye drops like Zaditor and Pataday are qualified medical expenses under the CARES Act.
Can you reimburse eye drops years later?
Learn about the shoebox strategy and how delaying reimbursement grows your money tax-free.
Related HSA Expenses
More HSA Resources
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