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
More HSA Resources
FSA vs HSA: Which to Choose
Side-by-side comparison with worked dollar examples for 2026
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
Track Face Masks (N95, Surgical) in HSA Trackr
Snap a photo of your receipt and let AI categorize it. Never lose track of an HSA-eligible expense again.
Track Face Masks (N95, Surgical) Now