HSA-Eligible

Is Lip Balm with SPF HSA-Eligible? (2026)

Lip balm with SPF 15 or higher is HSA-eligible - same rule as sunscreen.

Typical Cost

$3–$8 per tube

Details

Since the CARES Act of 2020, lip balm with SPF 15 or higher is HSA-eligible, following the same rule as sunscreen. This includes products like Burt's Bees SPF lip balm, Sun Bum lip balm, and Aquaphor Lip Repair + Protect. The product must have SPF 15+ as a primary feature - not just a regular lip balm that happens to have minimal sun protection.

Frequently Asked Questions

Is SPF lip balm HSA-eligible?

Yes. Lip balm with SPF 15 or higher qualifies under the same CARES Act rule as sunscreen.

Is regular lip balm (no SPF) HSA-eligible?

No. Without SPF 15+, lip balm is a personal care product and doesn't qualify.

Can you reimburse lip balm with spf years later?

Learn about the shoebox strategy and how delaying reimbursement grows your money tax-free.

Related HSA Expenses

Sunscreen

$8–$30 per bottle

Over-the-Counter Medications

$5–$30 per item

First Aid Supplies

$5–$50 per item

More HSA Resources

What Is an HSA?

Complete guide to Health Savings Accounts and how they work

2026 HSA Contribution Limits

See how much you can contribute this year

HSA Tax Benefits by State

Check if your state taxes HSA contributions

HSA Glossary

Key terms and definitions for Health Savings Accounts

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