Is Prescription Skin Care HSA-Eligible? (2026)
Skin care products prescribed by a doctor for a medical condition are HSA-eligible.
Typical Cost
$10–$500+ depending on product
Details
Prescription skin care products for medical conditions like eczema, psoriasis, rosacea, severe dry skin, or dermatitis are qualified medical expenses. This includes prescription creams, ointments, and topical medications (tretinoin, tacrolimus, clobetasol). Over-the-counter medicated skin products (with Drug Facts labels) for conditions like eczema are also eligible since the CARES Act. General moisturizers and beauty products are not eligible.
Requirements
Prescription products: eligible with a valid prescription. OTC: must have a Drug Facts label with active drug ingredients.
Frequently Asked Questions
Is prescription tretinoin HSA-eligible?
Yes. Prescription tretinoin for acne or other skin conditions is a qualified medical expense.
Is eczema cream HSA-eligible?
Yes. Both prescription eczema treatments and OTC medicated eczema creams (like CeraVe Itch Relief or Aveeno Eczema Therapy) with Drug Facts labels are eligible.
Related HSA Expenses
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