HSA-Eligible

Is Over-the-Counter Medications HSA-Eligible? (2026)

OTC medications are HSA-eligible without a prescription since the CARES Act.

Typical Cost

$5–$30 per item

Details

Since the CARES Act of 2020, over-the-counter medications are HSA-eligible without a prescription. This includes pain relievers (Advil, Tylenol), allergy medications (Zyrtec, Claritin), cold/flu medications, antacids, anti-diarrheal medications, and more.

Frequently Asked Questions

Are OTC medications HSA-eligible?

Yes. Since the CARES Act (2020), OTC medications are eligible without a prescription.

Is Tylenol HSA-eligible?

Yes. Tylenol and other OTC pain relievers are HSA-eligible.

Is allergy medicine HSA-eligible?

Yes. OTC allergy medications like Zyrtec, Claritin, and Benadryl are eligible.

Related HSA Expenses

Prescription Medications

Varies widely — $5–$500+ per prescription

First Aid Supplies

$5–$50 per item

Sunscreen

$8–$30 per bottle

More HSA Resources

2026 HSA Contribution Limits

See how much you can contribute this year

HSA Tax Benefits by State

Check if your state taxes HSA contributions

All Eligible Expenses

Browse the full list of HSA-eligible expenses

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