Summer is the perfect time to put your FSA or HSA funds to work. With sunshine, travel, outdoor activities, and heat-driven health concerns, many everyday summer essentials are actually eligible for reimbursement—saving you money while prioritizing your health.
To help you maximize your benefits before funds expire, here are the top five FSA- and HSA-eligible items to purchase this summer, all available through the FSA Store, along with tips on why they matter and how to use them.
1. Sunscreen (SPF 15+)
Why it’s essential:
Excessive sun exposure increases the risk of skin cancer and premature skin aging. Sunscreen is one of the most important summer health investments—and it’s FSA/HSA eligible as long as it provides SPF 15 or higher.
Best uses this summer:
- Beach and pool days
- Outdoor workouts or sports
- Hiking, travel, and everyday commuting
You’ll find mineral, reef-safe, sweat-resistant, and sensitive-skin options available.
👉 Shop FSA/HSA-eligible sunscreen:
https://fsastore.com/fsa-eligible/sunscreen
2. First Aid Kits & Supplies
Why it’s essential:
From scraped knees to blisters and minor burns, summer activities often bring minor injuries. A well-stocked first aid kit keeps you prepared whether you’re camping, traveling, or hosting backyard gatherings.
Eligible items include:
- Adhesive bandages
- Antiseptic wipes
- Burn relief
- Gauze and wound-care products
👉 Browse FSA/HSA-eligible first aid kits:
https://fsastore.com/fsa-eligible/first-aid
3. Allergy Relief Products
Why it’s essential:
Grass pollen, ragweed, and increased outdoor exposure make summer allergies a real challenge. Many over-the-counter allergy treatments are FSA/HSA eligible without a prescription, thanks to IRS rule updates.
Common eligible options:
- Antihistamines
- Nasal sprays
- Eye drops for allergy relief
👉 Shop FSA/HSA-eligible allergy relief:
https://fsastore.com/fsa-eligible/allergy-and-sinus
4. Pain Relief & Recovery Products
Why it’s essential:
Summer activities often mean more movement—and more strain. Whether it’s sore muscles from outdoor workouts, joint discomfort from travel, or minor aches from weekend projects, pain relief and recovery products are among the most practical ways to use FSA or HSA funds.
Common FSA/HSA-eligible options include:
- Over-the-counter pain relievers (acetaminophen, ibuprofen, aspirin)
- Knee, ankle, and wrist braces
- Compression wraps and supports
- Muscle and joint pain relief creams (medicated)
These items are ideal for athletes, travelers, and anyone staying active during warm weather.
👉 Shop FSA/HSA-eligible pain relief & recovery products:
https://fsastore.com/pain-relief-and-recovery/joint-and-muscle-pain
5. Motion Sickness & Travel Health Essentials
Why it’s essential:
Road trips, flights, cruises, and amusement parks peak during summer—and so does motion sickness. Many motion sickness treatments qualify for FSA or HSA reimbursement, helping travelers stay comfortable without extra cost.
Eligible summer favorites include:
- Motion sickness medications
- Wrist bands for nausea relief
- Anti-nausea remedies for travel-related discomfort
These products are especially useful for families, frequent travelers, and those planning long-distance vacations.
👉 Browse FSA/HSA-eligible motion sickness products:
https://fsastore.com/fsa-eligible/motion-sickness
Planning tip: Motion sickness items are often overlooked but can make a major difference in summer travel comfort—making them a smart, proactive FSA/HSA purchase.
Why Buying Summer Essentials With FSA or HSA Funds Makes Sense
Using pre-tax dollars through your Flexible Spending Account (FSA) or Health Savings Account (HSA) can reduce your out-of-pocket healthcare costs by up to 30%, depending on your tax bracket. Summer is an ideal time to stock up because:
- FSAs often have “use-it-or-lose-it” deadlines
- Summer health needs are predictable and recurring
- Many eligible items double as travel and family essentials
The FSA Store only sells products that are verified as FSA/HSA eligible, eliminating reimbursement guesswork.
👉 Start shopping all FSA/HSA-eligible products:
https://fsastore.com
Final Takeaway
If you’re wondering what to buy with your FSA or HSA funds this summer, start with essentials that protect your skin, manage allergies, prevent injuries, and support hydration. These purchases aren’t just eligible—they’re practical, preventative, and seasonally smart.
Stock up now, stay healthy all summer long, and make the most of every pre-tax dollar.