HSA-Eligible

Is Face Masks (N95, Surgical) HSA-Eligible? (2026)

N95 masks, surgical masks, and KN95 masks are HSA-eligible medical supplies.

Typical Cost

$0.50–$3 per mask (bulk pricing varies)

Details

Medical-grade face masks are HSA-eligible. N95 respirators, KN95 masks, and surgical masks all qualify as medical supplies for preventing disease transmission. The IRS confirmed this during the COVID-19 pandemic. Cloth masks may also qualify if they serve a medical purpose. Stock up during cold/flu season - this is a legit HSA purchase.

Frequently Asked Questions

Are N95 masks HSA-eligible?

Yes. N95 respirators and medical-grade masks are HSA-eligible medical supplies.

Are cloth masks HSA-eligible?

The IRS hasn't explicitly addressed cloth masks. Medical-grade masks (N95, KN95, surgical) are the safest bet.

Can you reimburse face masks (n95, surgical) years later?

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

Related HSA Expenses

Hand Sanitizer

$3–$10 per bottle

First Aid Supplies

$5–$50 per item

Thermometer

$8–$60

More HSA Resources

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2026 HSA Contribution Limits

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HSA Tax Benefits by State

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HSA Glossary

Key terms and definitions for Health Savings Accounts

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