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.

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

2026 HSA Contribution Limits

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HSA Tax Benefits by State

Check if your state taxes HSA contributions

All Eligible Expenses

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