Using Your HSA for Sunscreen and Other Summer Necessities 

Did you know your health savings account (HSA) can help cover more than just doctor visits and prescriptions? True Grown Insurance Services , LLC can help you make the most of your HSA by showing how it can cover summer essentials like sunscreen, first-aid supplies and more.

What Summer Products Are HSA-Eligible?

Your HSA can help you pay for qualified medical expenses with pre-tax dollars. For California residents, this means you can use your HSA for various summer health products, including:

• Sunscreen—Broad-spectrum sunscreen with SPF 15 or higher is generally HSA-eligible, as it’s considered a preventive health product.
• First aid supplies—Bandages, antiseptic wipes and burn creams are all eligible, making it easy to prepare for minor summer scrapes and burns.
• Allergy medications—Over-the-counter allergy relief products may be covered if you have a prescription.
• Sunburn relief—Aloe vera gels and other sunburn treatments can often be purchased with HSA funds.
• Insect bite treatments—Creams and sprays for bug bites or stings may also qualify.

Always check with your HSA provider or review the IRS list of eligible expenses to confirm coverage before making a purchase.

What Are the Benefits of Smart HSA Spending?

Using your HSA for summer necessities offers many advantages:

• Tax savings—Purchases are made with pre-tax dollars, reducing your overall taxable income.
• Preparedness—Stocking up on eligible products helps you and your family stay safe and healthy during outdoor activities.
• Budget-friendly—HSAs allow you to plan and manage health-related expenses throughout the year, not just during medical emergencies.

Tips for California HSA Users

Here are simple strategies to help you make the most of your HSA this summer:

• Keep receipts—Save documentation for all HSA purchases in case you need to verify eligibility.
• Shop at approved retailers—Many pharmacies and online stores label HSA-eligible products for easy identification.
• Review contribution limits—Check your annual HSA contribution limit and track your deposits midyear so you can adjust contributions before year-end.

Contact Our Agency

If you have questions about maximizing your HSA or want more tips on eligible expenses, True Grown Insurance Services , LLC is here to help. Contact us today to learn more about making the most of your health savings account this summer.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.